EMI vs SIP for ₹4,000,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 30,339
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 27,874
Monthly Savings
₹ 2,465
SIP Investment
@ 12% for 26 years
₹ 5,303,278
Extra Interest Paid
₹ 1,051,138
Final Outcome
₹ 4,252,140
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 7%, investing savings can generate ₹5,303,278.
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