EMI vs SIP for ₹4,000,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 54,712
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 46,949
Monthly Savings
₹ 7,763
SIP Investment
@ 12% for 16 years
₹ 4,512,954
Extra Interest Paid
₹ 1,792,289
Final Outcome
₹ 2,720,665
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹4,512,954.
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