EMI vs SIP for ₹4,100,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 48,123
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 44,637
Monthly Savings
₹ 3,486
SIP Investment
@ 12% for 21 years
₹ 3,969,469
Extra Interest Paid
₹ 2,008,881
Final Outcome
₹ 1,960,589
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹3,969,469.
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