EMI vs SIP for ₹4,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 45,278
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 42,743
Monthly Savings
₹ 2,535
SIP Investment
@ 12% for 23 years
₹ 3,734,819
Extra Interest Paid
₹ 2,016,905
Final Outcome
₹ 1,717,914
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,734,819.
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