EMI vs SIP for ₹4,000,000
5 Years @ 7%
Original Plan
5 Years @ 7%
EMI: ₹ 79,205
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 46,443
Monthly Savings
₹ 32,761
SIP Investment
@ 12% for 10 years
₹ 7,611,754
Extra Interest Paid
₹ 820,919
Final Outcome
₹ 6,790,835
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹7,611,754.
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