EMI vs SIP for ₹4,000,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 44,615
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 42,415
Monthly Savings
₹ 2,200
SIP Investment
@ 12% for 24 years
₹ 3,680,164
Extra Interest Paid
₹ 2,043,282
Final Outcome
₹ 1,636,882
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,680,164.
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