EMI vs SIP for ₹4,100,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 80,156
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 56,079
Monthly Savings
₹ 24,076
SIP Investment
@ 12% for 11 years
₹ 6,611,760
Extra Interest Paid
₹ 1,631,251
Final Outcome
₹ 4,980,509
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹6,611,760.
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