EMI vs SIP for ₹1,400,000

24 Years @ 7%

Original Plan

24 Years @ 7%

EMI: ₹ 10,049

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 9,410

Monthly Savings

₹ 639

SIP Investment

@ 12% for 29 years

₹ 1,993,897

Extra Interest Paid

₹ 380,611

Final Outcome

₹ 1,613,286

Profit from SIP strategy

Analysis

For ₹1,400,000 loan at 7%, investing savings can generate ₹1,993,897.

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