EMI vs SIP for ₹4,700,000

25 Years @ 7%

Original Plan

25 Years @ 7%

EMI: ₹ 33,219

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 31,269

Monthly Savings

₹ 1,949

SIP Investment

@ 12% for 30 years

₹ 6,881,232

Extra Interest Paid

₹ 1,291,332

Final Outcome

₹ 5,589,900

Profit from SIP strategy

Analysis

For ₹4,700,000 loan at 7%, investing savings can generate ₹6,881,232.

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₹40L Loan for 26 years at 10% vs SIP ₹84L Loan for 12 years at 10% vs SIP ₹62L Loan for 27 years at 8% vs SIP ₹65L Loan for 25 years at 12% vs SIP ₹86L Loan for 13 years at 10% vs SIP ₹100L Loan for 11 years at 9% vs SIP
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