EMI vs SIP for ₹4,200,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 43,538
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 42,833
Monthly Savings
₹ 705
SIP Investment
@ 12% for 33 years
₹ 3,591,270
Extra Interest Paid
₹ 2,333,085
Final Outcome
₹ 1,258,186
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,591,270.
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