EMI vs SIP for ₹4,000,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 50,025

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 37,416

Monthly Savings

₹ 12,609

SIP Investment

@ 12% for 14 years

₹ 5,502,831

Extra Interest Paid

₹ 883,180

Final Outcome

₹ 4,619,651

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 7%, investing savings can generate ₹5,502,831.

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