EMI vs SIP for ₹4,000,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 42,129
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 41,145
Monthly Savings
₹ 984
SIP Investment
@ 12% for 30 years
₹ 3,475,065
Extra Interest Paid
₹ 2,173,332
Final Outcome
₹ 1,301,734
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,475,065.
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