EMI vs SIP for ₹4,000,000

9 Years @ 9%

Original Plan

9 Years @ 9%

EMI: ₹ 54,172

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 41,958

Monthly Savings

₹ 12,214

SIP Investment

@ 12% for 14 years

₹ 5,330,468

Extra Interest Paid

₹ 1,198,323

Final Outcome

₹ 4,132,144

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 9%, investing savings can generate ₹5,330,468.

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₹49L Loan for 16 years at 10% vs SIP ₹66L Loan for 14 years at 11% vs SIP ₹54L Loan for 5 years at 9% vs SIP ₹76L Loan for 20 years at 7% vs SIP ₹5L Loan for 25 years at 11% vs SIP ₹44L Loan for 20 years at 12% vs SIP
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