EMI vs SIP for ₹4,000,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 57,388
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 48,007
Monthly Savings
₹ 9,382
SIP Investment
@ 12% for 15 years
₹ 4,733,759
Extra Interest Paid
₹ 1,754,605
Final Outcome
₹ 2,979,154
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹4,733,759.
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