EMI vs SIP for ₹4,000,000
13 Years @ 11%
Original Plan
13 Years @ 11%
EMI: ₹ 48,301
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 42,602
Monthly Savings
₹ 5,699
SIP Investment
@ 12% for 18 years
₹ 4,362,321
Extra Interest Paid
₹ 1,667,058
Final Outcome
₹ 2,695,263
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹4,362,321.
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