EMI vs SIP for ₹4,200,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 47,542
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 44,880
Monthly Savings
₹ 2,662
SIP Investment
@ 12% for 23 years
₹ 3,921,560
Extra Interest Paid
₹ 2,117,750
Final Outcome
₹ 1,803,810
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,921,560.
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