EMI vs SIP for ₹4,000,000

26 Years @ 11%

Original Plan

26 Years @ 11%

EMI: ₹ 38,925

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 37,940

Monthly Savings

₹ 985

SIP Investment

@ 12% for 31 years

₹ 3,931,430

Extra Interest Paid

₹ 1,969,003

Final Outcome

₹ 1,962,427

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 11%, investing savings can generate ₹3,931,430.

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₹28L Loan for 16 years at 7% vs SIP ₹14L Loan for 24 years at 8% vs SIP ₹49L Loan for 6 years at 11% vs SIP ₹35L Loan for 30 years at 12% vs SIP ₹67L Loan for 20 years at 11% vs SIP ₹80L Loan for 23 years at 10% vs SIP
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