EMI vs SIP for ₹4,900,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 71,786

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 53,394

Monthly Savings

₹ 18,392

SIP Investment

@ 12% for 13 years

₹ 6,913,994

Extra Interest Paid

₹ 1,438,062

Final Outcome

₹ 5,475,932

Profit from SIP strategy

Analysis

For ₹4,900,000 loan at 9%, investing savings can generate ₹6,913,994.

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