EMI vs SIP for ₹4,000,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 43,118
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 41,658
Monthly Savings
₹ 1,460
SIP Investment
@ 12% for 27 years
₹ 3,556,609
Extra Interest Paid
₹ 2,114,148
Final Outcome
₹ 1,442,460
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,556,609.
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