EMI vs SIP for ₹4,000,000
16 Years @ 11%
Original Plan
16 Years @ 11%
EMI: ₹ 44,360
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 40,755
Monthly Savings
₹ 3,605
SIP Investment
@ 12% for 21 years
₹ 4,105,123
Extra Interest Paid
₹ 1,753,096
Final Outcome
₹ 2,352,027
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹4,105,123.
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