EMI vs SIP for ₹4,000,000

29 Years @ 10%

Original Plan

29 Years @ 10%

EMI: ₹ 35,299

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 34,501

Monthly Savings

₹ 798

SIP Investment

@ 12% for 34 years

₹ 4,590,772

Extra Interest Paid

₹ 1,792,361

Final Outcome

₹ 2,798,411

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 10%, investing savings can generate ₹4,590,772.

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