EMI vs SIP for ₹4,000,000
27 Years @ 10%
Original Plan
27 Years @ 10%
EMI: ₹ 35,764
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 34,770
Monthly Savings
₹ 994
SIP Investment
@ 12% for 32 years
₹ 4,483,920
Extra Interest Paid
₹ 1,763,995
Final Outcome
₹ 2,719,925
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,483,920.
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