EMI vs SIP for ₹4,000,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 38,601
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 36,348
Monthly Savings
₹ 2,253
SIP Investment
@ 12% for 25 years
₹ 4,275,061
Extra Interest Paid
₹ 1,640,201
Final Outcome
₹ 2,634,859
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,275,061.
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