EMI vs SIP for ₹4,000,000
8 Years @ 7%
Original Plan
8 Years @ 7%
EMI: ₹ 54,535
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 39,123
Monthly Savings
₹ 15,412
SIP Investment
@ 12% for 13 years
₹ 5,793,814
Extra Interest Paid
₹ 867,835
Final Outcome
₹ 4,925,979
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,793,814.
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