EMI vs SIP for ₹4,400,000

23 Years @ 10%

Original Plan

23 Years @ 10%

EMI: ₹ 40,796

Extended Plan

28 Years (Reduced EMI)

EMI: ₹ 39,070

Monthly Savings

₹ 1,726

SIP Investment

@ 12% for 28 years

₹ 4,760,588

Extra Interest Paid

₹ 1,867,912

Final Outcome

₹ 2,892,676

Profit from SIP strategy

Analysis

For ₹4,400,000 loan at 10%, investing savings can generate ₹4,760,588.

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