EMI vs SIP for ₹4,000,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 60,697
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 45,914
Monthly Savings
₹ 14,783
SIP Investment
@ 12% for 13 years
₹ 5,557,290
Extra Interest Paid
₹ 1,335,693
Final Outcome
₹ 4,221,597
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹5,557,290.
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