EMI vs SIP for ₹4,000,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 32,620
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 29,197
Monthly Savings
₹ 3,423
SIP Investment
@ 12% for 23 years
₹ 5,042,744
Extra Interest Paid
₹ 1,012,369
Final Outcome
₹ 4,030,374
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,042,744.
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