EMI vs SIP for ₹4,000,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 41,294
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 40,702
Monthly Savings
₹ 592
SIP Investment
@ 12% for 34 years
₹ 3,406,221
Extra Interest Paid
₹ 2,236,087
Final Outcome
₹ 1,170,134
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,406,221.
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