EMI vs SIP for ₹4,200,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 44,235
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 43,202
Monthly Savings
₹ 1,034
SIP Investment
@ 12% for 30 years
₹ 3,648,819
Extra Interest Paid
₹ 2,281,998
Final Outcome
₹ 1,366,820
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,648,819.
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