EMI vs SIP for ₹4,000,000
25 Years @ 7%
Original Plan
25 Years @ 7%
EMI: ₹ 28,271
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 26,612
Monthly Savings
₹ 1,659
SIP Investment
@ 12% for 30 years
₹ 5,856,367
Extra Interest Paid
₹ 1,099,006
Final Outcome
₹ 4,757,362
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,856,367.
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