EMI vs SIP for ₹4,000,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 27,874
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 26,362
Monthly Savings
₹ 1,511
SIP Investment
@ 12% for 31 years
₹ 6,030,063
Extra Interest Paid
₹ 1,110,266
Final Outcome
₹ 4,919,797
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹6,030,063.
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