EMI vs SIP for ₹4,200,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 43,202
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 42,653
Monthly Savings
₹ 549
SIP Investment
@ 12% for 35 years
₹ 3,563,554
Extra Interest Paid
₹ 2,361,676
Final Outcome
₹ 1,201,878
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,563,554.
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