EMI vs SIP for ₹4,100,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 43,476
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 42,327
Monthly Savings
₹ 1,149
SIP Investment
@ 12% for 29 years
₹ 3,586,149
Extra Interest Paid
₹ 2,208,706
Final Outcome
₹ 1,377,443
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹3,586,149.
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