EMI vs SIP for ₹4,000,000
8 Years @ 11%
Original Plan
8 Years @ 11%
EMI: ₹ 62,834
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 48,301
Monthly Savings
₹ 14,533
SIP Investment
@ 12% for 13 years
₹ 5,463,260
Extra Interest Paid
₹ 1,502,935
Final Outcome
₹ 3,960,325
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 11%, investing savings can generate ₹5,463,260.
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