EMI vs SIP for ₹4,000,000
25 Years @ 10%
Original Plan
25 Years @ 10%
EMI: ₹ 36,348
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 35,103
Monthly Savings
₹ 1,245
SIP Investment
@ 12% for 30 years
₹ 4,395,332
Extra Interest Paid
₹ 1,732,622
Final Outcome
₹ 2,662,711
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,395,332.
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