EMI vs SIP for ₹4,100,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 42,925
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 42,038
Monthly Savings
₹ 887
SIP Investment
@ 12% for 31 years
₹ 3,540,731
Extra Interest Paid
₹ 2,245,423
Final Outcome
₹ 1,295,308
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹3,540,731.
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