EMI vs SIP for ₹4,400,000

10 Years @ 11%

Original Plan

10 Years @ 11%

EMI: ₹ 60,610

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 50,010

Monthly Savings

₹ 10,600

SIP Investment

@ 12% for 15 years

₹ 5,348,374

Extra Interest Paid

₹ 1,728,647

Final Outcome

₹ 3,619,727

Profit from SIP strategy

Analysis

For ₹4,400,000 loan at 11%, investing savings can generate ₹5,348,374.

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