EMI vs SIP for ₹4,000,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 32,925

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 31,805

Monthly Savings

₹ 1,120

SIP Investment

@ 12% for 32 years

₹ 5,052,131

Extra Interest Paid

₹ 1,545,275

Final Outcome

₹ 3,506,856

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 9%, investing savings can generate ₹5,052,131.

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