EMI vs SIP for ₹4,000,000

7 Years @ 9%

Original Plan

7 Years @ 9%

EMI: ₹ 64,356

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 45,521

Monthly Savings

₹ 18,835

SIP Investment

@ 12% for 12 years

₹ 6,069,647

Extra Interest Paid

₹ 1,149,127

Final Outcome

₹ 4,920,521

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 9%, investing savings can generate ₹6,069,647.

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₹65L Loan for 12 years at 7% vs SIP ₹97L Loan for 30 years at 10% vs SIP ₹80L Loan for 20 years at 8% vs SIP ₹61L Loan for 22 years at 9% vs SIP ₹8L Loan for 11 years at 9% vs SIP ₹79L Loan for 30 years at 7% vs SIP
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