EMI vs SIP for ₹4,100,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 49,207
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 45,145
Monthly Savings
₹ 4,062
SIP Investment
@ 12% for 20 years
₹ 4,058,898
Extra Interest Paid
₹ 1,977,447
Final Outcome
₹ 2,081,450
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹4,058,898.
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