EMI vs SIP for ₹4,000,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 78,201
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 54,712
Monthly Savings
₹ 23,489
SIP Investment
@ 12% for 11 years
₹ 6,450,497
Extra Interest Paid
₹ 1,591,465
Final Outcome
₹ 4,859,033
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹6,450,497.
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