EMI vs SIP for ₹6,400,000

25 Years @ 12%

Original Plan

25 Years @ 12%

EMI: ₹ 67,406

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 65,831

Monthly Savings

₹ 1,575

SIP Investment

@ 12% for 30 years

₹ 5,560,104

Extra Interest Paid

₹ 3,477,331

Final Outcome

₹ 2,082,774

Profit from SIP strategy

Analysis

For ₹6,400,000 loan at 12%, investing savings can generate ₹5,560,104.

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