EMI vs SIP for ₹4,200,000

8 Years @ 10%

Original Plan

8 Years @ 10%

EMI: ₹ 63,731

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 48,210

Monthly Savings

₹ 15,522

SIP Investment

@ 12% for 13 years

₹ 5,835,154

Extra Interest Paid

₹ 1,402,478

Final Outcome

₹ 4,432,676

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 10%, investing savings can generate ₹5,835,154.

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