EMI vs SIP for ₹4,000,000
24 Years @ 11%
Original Plan
24 Years @ 11%
EMI: ₹ 39,521
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 38,265
Monthly Savings
₹ 1,256
SIP Investment
@ 12% for 29 years
₹ 3,919,935
Extra Interest Paid
₹ 1,934,216
Final Outcome
₹ 1,985,719
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,919,935.
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