EMI vs SIP for ₹4,400,000

26 Years @ 7%

Original Plan

26 Years @ 7%

EMI: ₹ 30,661

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 28,999

Monthly Savings

₹ 1,662

SIP Investment

@ 12% for 31 years

₹ 6,633,069

Extra Interest Paid

₹ 1,221,292

Final Outcome

₹ 5,411,776

Profit from SIP strategy

Analysis

For ₹4,400,000 loan at 7%, investing savings can generate ₹6,633,069.

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