EMI vs SIP for ₹4,200,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 36,423
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 31,856
Monthly Savings
₹ 4,567
SIP Investment
@ 12% for 21 years
₹ 5,200,240
Extra Interest Paid
₹ 1,034,499
Final Outcome
₹ 4,165,740
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 7%, investing savings can generate ₹5,200,240.
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