EMI vs SIP for ₹4,000,000
9 Years @ 12%
Original Plan
9 Years @ 12%
EMI: ₹ 60,737
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 49,257
Monthly Savings
₹ 11,480
SIP Investment
@ 12% for 14 years
₹ 5,009,969
Extra Interest Paid
₹ 1,715,618
Final Outcome
₹ 3,294,351
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 12%, investing savings can generate ₹5,009,969.
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