EMI vs SIP for ₹4,000,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 41,658
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 40,896
Monthly Savings
₹ 762
SIP Investment
@ 12% for 32 years
₹ 3,436,213
Extra Interest Paid
₹ 2,206,858
Final Outcome
₹ 1,229,355
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,436,213.
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