EMI vs SIP for ₹4,000,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 70,611
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 52,537
Monthly Savings
₹ 18,074
SIP Investment
@ 12% for 12 years
₹ 5,824,439
Extra Interest Paid
₹ 1,633,976
Final Outcome
₹ 4,190,463
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹5,824,439.
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