EMI vs SIP for ₹4,000,000

7 Years @ 11%

Original Plan

7 Years @ 11%

EMI: ₹ 68,490

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 50,142

Monthly Savings

₹ 18,348

SIP Investment

@ 12% for 12 years

₹ 5,912,533

Extra Interest Paid

₹ 1,467,340

Final Outcome

₹ 4,445,194

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 11%, investing savings can generate ₹5,912,533.

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