EMI vs SIP for ₹4,000,000
5 Years @ 9%
Original Plan
5 Years @ 9%
EMI: ₹ 83,033
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 50,670
Monthly Savings
₹ 32,363
SIP Investment
@ 12% for 10 years
₹ 7,519,215
Extra Interest Paid
₹ 1,098,432
Final Outcome
₹ 6,420,784
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 9%, investing savings can generate ₹7,519,215.
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