EMI vs SIP for ₹4,400,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 45,259
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 44,684
Monthly Savings
₹ 575
SIP Investment
@ 12% for 35 years
₹ 3,733,247
Extra Interest Paid
₹ 2,474,136
Final Outcome
₹ 1,259,110
Profit from SIP strategy
Analysis
For ₹4,400,000 loan at 12%, investing savings can generate ₹3,733,247.
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