EMI vs SIP for ₹4,000,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 42,984
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 38,601
Monthly Savings
₹ 4,383
SIP Investment
@ 12% for 20 years
₹ 4,379,604
Extra Interest Paid
₹ 1,527,051
Final Outcome
₹ 2,852,553
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,379,604.
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