EMI vs SIP for ₹4,000,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 41,465
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 40,793
Monthly Savings
₹ 671
SIP Investment
@ 12% for 33 years
₹ 3,420,258
Extra Interest Paid
₹ 2,221,985
Final Outcome
₹ 1,198,272
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,420,258.
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