EMI vs SIP for ₹4,200,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 61,531

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 45,767

Monthly Savings

₹ 15,764

SIP Investment

@ 12% for 13 years

₹ 5,926,281

Extra Interest Paid

₹ 1,232,625

Final Outcome

₹ 4,693,656

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 9%, investing savings can generate ₹5,926,281.

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