EMI vs SIP for ₹4,300,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 45,019
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 44,088
Monthly Savings
₹ 931
SIP Investment
@ 12% for 31 years
₹ 3,713,450
Extra Interest Paid
₹ 2,354,956
Final Outcome
₹ 1,358,494
Profit from SIP strategy
Analysis
For ₹4,300,000 loan at 12%, investing savings can generate ₹3,713,450.
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