EMI vs SIP for ₹4,000,000
13 Years @ 10%
Original Plan
13 Years @ 10%
EMI: ₹ 45,914
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 39,994
Monthly Savings
₹ 5,920
SIP Investment
@ 12% for 18 years
₹ 4,531,535
Extra Interest Paid
₹ 1,476,077
Final Outcome
₹ 3,055,457
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,531,535.
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