EMI vs SIP for ₹4,100,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 43,811
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 42,501
Monthly Savings
₹ 1,310
SIP Investment
@ 12% for 28 years
₹ 3,613,823
Extra Interest Paid
₹ 2,188,500
Final Outcome
₹ 1,425,323
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹3,613,823.
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