EMI vs SIP for ₹4,500,000

25 Years @ 7%

Original Plan

25 Years @ 7%

EMI: ₹ 31,805

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 29,939

Monthly Savings

₹ 1,866

SIP Investment

@ 12% for 30 years

₹ 6,588,413

Extra Interest Paid

₹ 1,236,381

Final Outcome

₹ 5,352,032

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 7%, investing savings can generate ₹6,588,413.

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