EMI vs SIP for ₹4,200,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 50,407
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 46,246
Monthly Savings
₹ 4,161
SIP Investment
@ 12% for 20 years
₹ 4,157,895
Extra Interest Paid
₹ 2,025,678
Final Outcome
₹ 2,132,217
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹4,157,895.
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