EMI vs SIP for ₹4,000,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 39,381
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 35,383
Monthly Savings
₹ 3,997
SIP Investment
@ 12% for 21 years
₹ 4,551,728
Extra Interest Paid
₹ 1,355,495
Final Outcome
₹ 3,196,233
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 9%, investing savings can generate ₹4,551,728.
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