EMI vs SIP for ₹4,000,000
30 Years @ 9%
Original Plan
30 Years @ 9%
EMI: ₹ 32,185
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 31,360
Monthly Savings
₹ 825
SIP Investment
@ 12% for 35 years
₹ 5,359,804
Extra Interest Paid
₹ 1,584,516
Final Outcome
₹ 3,775,287
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 9%, investing savings can generate ₹5,359,804.
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