EMI vs SIP for ₹4,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 41,145
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 40,622
Monthly Savings
₹ 523
SIP Investment
@ 12% for 35 years
₹ 3,393,861
Extra Interest Paid
₹ 2,249,215
Final Outcome
₹ 1,144,646
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹3,393,861.
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