EMI vs SIP for ₹4,000,000
24 Years @ 7%
Original Plan
24 Years @ 7%
EMI: ₹ 28,710
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 26,885
Monthly Savings
₹ 1,825
SIP Investment
@ 12% for 29 years
₹ 5,696,849
Extra Interest Paid
₹ 1,087,460
Final Outcome
₹ 4,609,389
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,696,849.
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