EMI vs SIP for ₹4,100,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 42,327
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 41,720
Monthly Savings
₹ 607
SIP Investment
@ 12% for 34 years
₹ 3,491,377
Extra Interest Paid
₹ 2,291,990
Final Outcome
₹ 1,199,387
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹3,491,377.
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