EMI vs SIP for ₹4,200,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 46,246
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 44,235
Monthly Savings
₹ 2,010
SIP Investment
@ 12% for 25 years
₹ 3,814,633
Extra Interest Paid
₹ 2,171,676
Final Outcome
₹ 1,642,957
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,814,633.
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