EMI vs SIP for ₹4,200,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 43,741
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 42,941
Monthly Savings
₹ 800
SIP Investment
@ 12% for 32 years
₹ 3,608,024
Extra Interest Paid
₹ 2,317,201
Final Outcome
₹ 1,290,823
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,608,024.
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