EMI vs SIP for ₹4,200,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 57,262

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 41,079

Monthly Savings

₹ 16,182

SIP Investment

@ 12% for 13 years

₹ 6,083,505

Extra Interest Paid

₹ 911,227

Final Outcome

₹ 5,172,278

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 7%, investing savings can generate ₹6,083,505.

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