EMI vs SIP for ₹4,000,000
17 Years @ 10%
Original Plan
17 Years @ 10%
EMI: ₹ 40,848
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 37,530
Monthly Savings
₹ 3,319
SIP Investment
@ 12% for 22 years
₹ 4,300,532
Extra Interest Paid
₹ 1,574,800
Final Outcome
₹ 2,725,732
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,300,532.
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