EMI vs SIP for ₹4,000,000
30 Years @ 11%
Original Plan
30 Years @ 11%
EMI: ₹ 38,093
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 37,478
Monthly Savings
₹ 615
SIP Investment
@ 12% for 35 years
₹ 3,992,185
Extra Interest Paid
₹ 2,027,432
Final Outcome
₹ 1,964,753
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹3,992,185.
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