EMI vs SIP for ₹4,200,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 43,359
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 42,737
Monthly Savings
₹ 622
SIP Investment
@ 12% for 34 years
₹ 3,576,532
Extra Interest Paid
₹ 2,347,892
Final Outcome
₹ 1,228,640
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 12%, investing savings can generate ₹3,576,532.
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