EMI vs SIP for ₹4,000,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 46,049
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 43,118
Monthly Savings
₹ 2,931
SIP Investment
@ 12% for 22 years
₹ 3,798,383
Extra Interest Paid
₹ 1,989,110
Final Outcome
₹ 1,809,273
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,798,383.
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