EMI vs SIP for ₹4,000,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 34,688
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 30,339
Monthly Savings
₹ 4,349
SIP Investment
@ 12% for 21 years
₹ 4,952,609
Extra Interest Paid
₹ 985,237
Final Outcome
₹ 3,967,372
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹4,952,609.
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