EMI vs SIP for ₹4,000,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 39,123
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 32,620
Monthly Savings
₹ 6,503
SIP Investment
@ 12% for 18 years
₹ 4,977,559
Extra Interest Paid
₹ 942,756
Final Outcome
₹ 4,034,802
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹4,977,559.
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