EMI vs SIP for ₹4,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 44,043
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 42,129
Monthly Savings
₹ 1,914
SIP Investment
@ 12% for 25 years
₹ 3,632,984
Extra Interest Paid
₹ 2,068,263
Final Outcome
₹ 1,564,721
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,632,984.
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