EMI vs SIP for ₹4,000,000
21 Years @ 10%
Original Plan
21 Years @ 10%
EMI: ₹ 38,031
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 36,039
Monthly Savings
₹ 1,992
SIP Investment
@ 12% for 26 years
₹ 4,285,277
Extra Interest Paid
₹ 1,660,330
Final Outcome
₹ 2,624,947
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹4,285,277.
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