EMI vs SIP for ₹4,000,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 40,571
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 35,989
Monthly Savings
₹ 4,582
SIP Investment
@ 12% for 20 years
₹ 4,577,721
Extra Interest Paid
₹ 1,334,650
Final Outcome
₹ 3,243,071
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 9%, investing savings can generate ₹4,577,721.
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