EMI vs SIP for ₹4,000,000
29 Years @ 11%
Original Plan
29 Years @ 11%
EMI: ₹ 38,265
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 37,575
Monthly Savings
₹ 691
SIP Investment
@ 12% for 34 years
₹ 3,973,057
Extra Interest Paid
₹ 2,014,136
Final Outcome
₹ 1,958,921
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,973,057.
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