EMI vs SIP for ₹4,000,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 42,743
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 41,465
Monthly Savings
₹ 1,278
SIP Investment
@ 12% for 28 years
₹ 3,525,681
Extra Interest Paid
₹ 2,135,122
Final Outcome
₹ 1,390,559
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,525,681.
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