EMI vs SIP for ₹4,000,000
19 Years @ 11%
Original Plan
19 Years @ 11%
EMI: ₹ 41,899
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 39,521
Monthly Savings
₹ 2,377
SIP Investment
@ 12% for 24 years
₹ 3,976,802
Extra Interest Paid
₹ 1,829,195
Final Outcome
₹ 2,147,606
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,976,802.
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