EMI vs SIP for ₹4,200,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 44,880
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 43,538
Monthly Savings
₹ 1,342
SIP Investment
@ 12% for 28 years
₹ 3,701,965
Extra Interest Paid
₹ 2,241,878
Final Outcome
₹ 1,460,087
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,701,965.
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