EMI vs SIP for ₹4,300,000

21 Years @ 12%

Original Plan

21 Years @ 12%

EMI: ₹ 46,814

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 45,019

Monthly Savings

₹ 1,795

SIP Investment

@ 12% for 26 years

₹ 3,861,524

Extra Interest Paid

₹ 2,248,765

Final Outcome

₹ 1,612,759

Profit from SIP strategy

Analysis

For ₹4,300,000 loan at 12%, investing savings can generate ₹3,861,524.

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