EMI vs SIP for ₹4,000,000
7 Years @ 7%
Original Plan
7 Years @ 7%
EMI: ₹ 60,371
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 41,135
Monthly Savings
₹ 19,235
SIP Investment
@ 12% for 12 years
₹ 6,198,674
Extra Interest Paid
₹ 852,335
Final Outcome
₹ 5,346,339
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹6,198,674.
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