EMI vs SIP for ₹4,000,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 35,953
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 31,012
Monthly Savings
₹ 4,941
SIP Investment
@ 12% for 20 years
₹ 4,936,963
Extra Interest Paid
₹ 971,306
Final Outcome
₹ 3,965,657
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹4,936,963.
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