EMI vs SIP for ₹4,100,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 66,637
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 52,015
Monthly Savings
₹ 14,621
SIP Investment
@ 12% for 13 years
₹ 5,496,615
Extra Interest Paid
₹ 1,717,271
Final Outcome
₹ 3,779,344
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 12%, investing savings can generate ₹5,496,615.
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