EMI vs SIP for ₹4,000,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 48,007
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 44,043
Monthly Savings
₹ 3,963
SIP Investment
@ 12% for 20 years
₹ 3,959,900
Extra Interest Paid
₹ 1,929,217
Final Outcome
₹ 2,030,683
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,959,900.
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