EMI vs SIP for ₹4,100,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 52,015
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 46,410
Monthly Savings
₹ 5,605
SIP Investment
@ 12% for 18 years
₹ 4,290,554
Extra Interest Paid
₹ 1,910,163
Final Outcome
₹ 2,380,391
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹4,290,554.
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