EMI vs SIP for ₹4,000,000
5 Years @ 10%
Original Plan
5 Years @ 10%
EMI: ₹ 84,988
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 52,860
Monthly Savings
₹ 32,128
SIP Investment
@ 12% for 10 years
₹ 7,464,563
Extra Interest Paid
₹ 1,243,945
Final Outcome
₹ 6,220,618
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹7,464,563.
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