EMI vs SIP for ₹4,200,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 60,258
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 50,407
Monthly Savings
₹ 9,851
SIP Investment
@ 12% for 15 years
₹ 4,970,447
Extra Interest Paid
₹ 1,842,335
Final Outcome
₹ 3,128,112
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹4,970,447.
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