EMI vs SIP for ₹4,200,000

26 Years @ 9%

Original Plan

26 Years @ 9%

EMI: ₹ 34,890

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 33,584

Monthly Savings

₹ 1,306

SIP Investment

@ 12% for 31 years

₹ 5,211,475

Extra Interest Paid

₹ 1,607,590

Final Outcome

₹ 3,603,885

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 9%, investing savings can generate ₹5,211,475.

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