EMI vs SIP for ₹4,200,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 68,262
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 53,284
Monthly Savings
₹ 14,978
SIP Investment
@ 12% for 13 years
₹ 5,630,679
Extra Interest Paid
₹ 1,759,155
Final Outcome
₹ 3,871,523
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹5,630,679.
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