EMI vs SIP for ₹4,200,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 45,463
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 37,727
Monthly Savings
₹ 7,736
SIP Investment
@ 12% for 17 years
₹ 5,167,183
Extra Interest Paid
₹ 1,149,591
Final Outcome
₹ 4,017,592
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,167,183.
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