EMI vs SIP for ₹4,000,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 50,747
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 45,278
Monthly Savings
₹ 5,469
SIP Investment
@ 12% for 18 years
₹ 4,185,907
Extra Interest Paid
₹ 1,863,574
Final Outcome
₹ 2,322,333
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹4,185,907.
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