EMI vs SIP for ₹4,000,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 65,011
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 50,747
Monthly Savings
₹ 14,265
SIP Investment
@ 12% for 13 years
₹ 5,362,551
Extra Interest Paid
₹ 1,675,386
Final Outcome
₹ 3,687,165
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹5,362,551.
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