EMI vs SIP for ₹4,000,000
23 Years @ 11%
Original Plan
23 Years @ 11%
EMI: ₹ 39,880
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 38,459
Monthly Savings
₹ 1,421
SIP Investment
@ 12% for 28 years
₹ 3,920,285
Extra Interest Paid
₹ 1,915,322
Final Outcome
₹ 2,004,963
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,920,285.
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