EMI vs SIP for ₹4,000,000
10 Years @ 9%
Original Plan
10 Years @ 9%
EMI: ₹ 50,670
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 40,571
Monthly Savings
₹ 10,100
SIP Investment
@ 12% for 15 years
₹ 5,096,039
Extra Interest Paid
₹ 1,222,282
Final Outcome
₹ 3,873,757
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 9%, investing savings can generate ₹5,096,039.
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