EMI vs SIP for ₹4,100,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 44,637
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 42,925
Monthly Savings
₹ 1,712
SIP Investment
@ 12% for 26 years
₹ 3,681,918
Extra Interest Paid
₹ 2,144,171
Final Outcome
₹ 1,537,747
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹3,681,918.
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