EMI vs SIP for ₹4,200,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 43,972

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 43,063

Monthly Savings

₹ 909

SIP Investment

@ 12% for 31 years

₹ 3,627,091

Extra Interest Paid

₹ 2,300,190

Final Outcome

₹ 1,326,901

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 12%, investing savings can generate ₹3,627,091.

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