EMI vs SIP for ₹4,000,000

9 Years @ 9%

Original Plan

9 Years @ 9%

EMI: ₹ 54,172

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 41,958

Monthly Savings

₹ 12,214

SIP Investment

@ 12% for 14 years

₹ 5,330,468

Extra Interest Paid

₹ 1,198,323

Final Outcome

₹ 4,132,144

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 9%, investing savings can generate ₹5,330,468.

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