EMI vs SIP for ₹4,200,000

18 Years @ 7%

Original Plan

18 Years @ 7%

EMI: ₹ 34,251

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 30,657

Monthly Savings

₹ 3,594

SIP Investment

@ 12% for 23 years

₹ 5,294,881

Extra Interest Paid

₹ 1,062,988

Final Outcome

₹ 4,231,893

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 7%, investing savings can generate ₹5,294,881.

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