EMI vs SIP for ₹4,000,000
9 Years @ 10%
Original Plan
9 Years @ 10%
EMI: ₹ 56,315
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 44,328
Monthly Savings
₹ 11,987
SIP Investment
@ 12% for 14 years
₹ 5,231,184
Extra Interest Paid
₹ 1,365,130
Final Outcome
₹ 3,866,054
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 10%, investing savings can generate ₹5,231,184.
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