EMI vs SIP for ₹4,000,000
6 Years @ 7%
Original Plan
6 Years @ 7%
EMI: ₹ 68,196
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 43,536
Monthly Savings
₹ 24,660
SIP Investment
@ 12% for 11 years
₹ 6,771,898
Extra Interest Paid
₹ 836,691
Final Outcome
₹ 5,935,206
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹6,771,898.
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