EMI vs SIP for ₹4,000,000
21 Years @ 11%
Original Plan
21 Years @ 11%
EMI: ₹ 40,755
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 38,925
Monthly Savings
₹ 1,830
SIP Investment
@ 12% for 26 years
₹ 3,935,989
Extra Interest Paid
₹ 1,874,410
Final Outcome
₹ 2,061,579
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,935,989.
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