EMI vs SIP for ₹4,000,000
17 Years @ 7%
Original Plan
17 Years @ 7%
EMI: ₹ 33,586
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 29,737
Monthly Savings
₹ 3,849
SIP Investment
@ 12% for 22 years
₹ 4,988,502
Extra Interest Paid
₹ 998,928
Final Outcome
₹ 3,989,575
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹4,988,502.
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