EMI vs SIP for ₹4,000,000
7 Years @ 10%
Original Plan
7 Years @ 10%
EMI: ₹ 66,405
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 47,803
Monthly Savings
₹ 18,602
SIP Investment
@ 12% for 12 years
₹ 5,994,408
Extra Interest Paid
₹ 1,305,653
Final Outcome
₹ 4,688,755
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹5,994,408.
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