EMI vs SIP for ₹4,000,000
29 Years @ 7%
Original Plan
29 Years @ 7%
EMI: ₹ 26,885
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 25,731
Monthly Savings
₹ 1,154
SIP Investment
@ 12% for 34 years
₹ 6,638,204
Extra Interest Paid
₹ 1,142,322
Final Outcome
₹ 5,495,882
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹6,638,204.
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