EMI vs SIP for ₹4,000,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 52,537
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 46,049
Monthly Savings
₹ 6,488
SIP Investment
@ 12% for 17 years
₹ 4,333,567
Extra Interest Paid
₹ 1,828,624
Final Outcome
₹ 2,504,942
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹4,333,567.
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