EMI vs SIP for ₹4,000,000
18 Years @ 11%
Original Plan
18 Years @ 11%
EMI: ₹ 42,602
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 39,880
Monthly Savings
₹ 2,722
SIP Investment
@ 12% for 23 years
₹ 4,009,169
Extra Interest Paid
₹ 1,804,939
Final Outcome
₹ 2,204,230
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹4,009,169.
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