EMI vs SIP for ₹4,000,000
12 Years @ 10%
Original Plan
12 Years @ 10%
EMI: ₹ 47,803
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 40,848
Monthly Savings
₹ 6,955
SIP Investment
@ 12% for 17 years
₹ 4,645,197
Extra Interest Paid
₹ 1,449,427
Final Outcome
₹ 3,195,771
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,645,197.
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