EMI vs SIP for ₹4,000,000
10 Years @ 10%
Original Plan
10 Years @ 10%
EMI: ₹ 52,860
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 42,984
Monthly Savings
₹ 9,876
SIP Investment
@ 12% for 15 years
₹ 4,983,238
Extra Interest Paid
₹ 1,393,921
Final Outcome
₹ 3,589,317
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,983,238.
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