EMI vs SIP for ₹4,000,000
20 Years @ 11%
Original Plan
20 Years @ 11%
EMI: ₹ 41,288
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 39,205
Monthly Savings
₹ 2,083
SIP Investment
@ 12% for 25 years
₹ 3,952,798
Extra Interest Paid
₹ 1,852,348
Final Outcome
₹ 2,100,449
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,952,798.
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