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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