EMI vs SIP for ₹4,000,000
10 Years @ 7%
Original Plan
10 Years @ 7%
EMI: ₹ 46,443
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 35,953
Monthly Savings
₹ 10,490
SIP Investment
@ 12% for 15 years
₹ 5,293,134
Extra Interest Paid
₹ 898,357
Final Outcome
₹ 4,394,777
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,293,134.
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