EMI vs SIP for ₹4,600,000

29 Years @ 7%

Original Plan

29 Years @ 7%

EMI: ₹ 30,918

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 29,591

Monthly Savings

₹ 1,327

SIP Investment

@ 12% for 34 years

₹ 7,633,935

Extra Interest Paid

₹ 1,313,670

Final Outcome

₹ 6,320,265

Profit from SIP strategy

Analysis

For ₹4,600,000 loan at 7%, investing savings can generate ₹7,633,935.

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