EMI vs SIP for ₹4,000,000
30 Years @ 7%
Original Plan
30 Years @ 7%
EMI: ₹ 26,612
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 25,554
Monthly Savings
₹ 1,058
SIP Investment
@ 12% for 35 years
₹ 6,870,991
Extra Interest Paid
₹ 1,152,431
Final Outcome
₹ 5,718,560
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹6,870,991.
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