EMI vs SIP for ₹4,000,000
11 Years @ 7%
Original Plan
11 Years @ 7%
EMI: ₹ 43,536
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 34,688
Monthly Savings
₹ 8,848
SIP Investment
@ 12% for 16 years
₹ 5,144,082
Extra Interest Paid
₹ 913,352
Final Outcome
₹ 4,230,730
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,144,082.
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