EMI vs SIP for ₹4,000,000
15 Years @ 11%
Original Plan
15 Years @ 11%
EMI: ₹ 45,464
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 41,288
Monthly Savings
₹ 4,176
SIP Investment
@ 12% for 20 years
₹ 4,172,783
Extra Interest Paid
₹ 1,725,511
Final Outcome
₹ 2,447,272
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹4,172,783.
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