EMI vs SIP for ₹4,200,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 43,972
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 43,063
Monthly Savings
₹ 909
SIP Investment
@ 12% for 31 years
₹ 3,627,091
Extra Interest Paid
₹ 2,300,190
Final Outcome
₹ 1,326,901
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,627,091.
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