EMI vs SIP for ₹4,000,000
12 Years @ 11%
Original Plan
12 Years @ 11%
EMI: ₹ 50,142
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 43,415
Monthly Savings
₹ 6,727
SIP Investment
@ 12% for 17 years
₹ 4,493,093
Extra Interest Paid
₹ 1,636,228
Final Outcome
₹ 2,856,865
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹4,493,093.
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