EMI vs SIP for ₹6,400,000

27 Years @ 12%

Original Plan

27 Years @ 12%

EMI: ₹ 66,653

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 65,433

Monthly Savings

₹ 1,219

SIP Investment

@ 12% for 32 years

₹ 5,497,941

Extra Interest Paid

₹ 3,530,973

Final Outcome

₹ 1,966,968

Profit from SIP strategy

Analysis

For ₹6,400,000 loan at 12%, investing savings can generate ₹5,497,941.

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