EMI vs SIP for ₹4,000,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 88,978
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 57,388
Monthly Savings
₹ 31,589
SIP Investment
@ 12% for 10 years
₹ 7,339,455
Extra Interest Paid
₹ 1,547,938
Final Outcome
₹ 5,791,517
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹7,339,455.
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