EMI vs SIP for ₹4,000,000
10 Years @ 11%
Original Plan
10 Years @ 11%
EMI: ₹ 55,100
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 45,464
Monthly Savings
₹ 9,636
SIP Investment
@ 12% for 15 years
₹ 4,862,158
Extra Interest Paid
₹ 1,571,497
Final Outcome
₹ 3,290,661
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹4,862,158.
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