EMI vs SIP for ₹4,200,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 44,536
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 43,359
Monthly Savings
₹ 1,177
SIP Investment
@ 12% for 29 years
₹ 3,673,616
Extra Interest Paid
₹ 2,262,577
Final Outcome
₹ 1,411,039
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,673,616.
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