EMI vs SIP for ₹4,200,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 40,531
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 38,165
Monthly Savings
₹ 2,365
SIP Investment
@ 12% for 25 years
₹ 4,488,814
Extra Interest Paid
₹ 1,722,211
Final Outcome
₹ 2,766,602
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 10%, investing savings can generate ₹4,488,814.
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