EMI vs SIP for ₹4,400,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 77,672

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 57,790

Monthly Savings

₹ 19,882

SIP Investment

@ 12% for 12 years

₹ 6,406,883

Extra Interest Paid

₹ 1,797,374

Final Outcome

₹ 4,609,509

Profit from SIP strategy

Analysis

For ₹4,400,000 loan at 12%, investing savings can generate ₹6,406,883.

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