EMI vs SIP for ₹4,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 46,949
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 43,548
Monthly Savings
₹ 3,401
SIP Investment
@ 12% for 21 years
₹ 3,872,653
Extra Interest Paid
₹ 1,959,883
Final Outcome
₹ 1,912,769
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,872,653.
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