EMI vs SIP for ₹4,000,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 29,197
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 27,184
Monthly Savings
₹ 2,012
SIP Investment
@ 12% for 28 years
₹ 5,551,443
Extra Interest Paid
₹ 1,075,632
Final Outcome
₹ 4,475,811
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,551,443.
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