EMI vs SIP for ₹4,200,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 49,296
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 45,725
Monthly Savings
₹ 3,571
SIP Investment
@ 12% for 21 years
₹ 4,066,285
Extra Interest Paid
₹ 2,057,878
Final Outcome
₹ 2,008,408
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹4,066,285.
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