EMI vs SIP for ₹4,000,000
8 Years @ 9%
Original Plan
8 Years @ 9%
EMI: ₹ 58,601
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 43,587
Monthly Savings
₹ 15,014
SIP Investment
@ 12% for 13 years
₹ 5,644,077
Extra Interest Paid
₹ 1,173,928
Final Outcome
₹ 4,470,149
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 9%, investing savings can generate ₹5,644,077.
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