EMI vs SIP for ₹4,200,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 63,774

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 51,720

Monthly Savings

₹ 12,054

SIP Investment

@ 12% for 14 years

₹ 5,260,467

Extra Interest Paid

₹ 1,801,399

Final Outcome

₹ 3,459,068

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 12%, investing savings can generate ₹5,260,467.

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