EMI vs SIP for ₹4,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 41,878
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 41,012
Monthly Savings
₹ 866
SIP Investment
@ 12% for 31 years
₹ 3,454,372
Extra Interest Paid
₹ 2,190,657
Final Outcome
₹ 1,263,715
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,454,372.
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