EMI vs SIP for ₹4,100,000

26 Years @ 7%

Original Plan

26 Years @ 7%

EMI: ₹ 28,570

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 27,021

Monthly Savings

₹ 1,549

SIP Investment

@ 12% for 31 years

₹ 6,180,814

Extra Interest Paid

₹ 1,138,022

Final Outcome

₹ 5,042,792

Profit from SIP strategy

Analysis

For ₹4,100,000 loan at 7%, investing savings can generate ₹6,180,814.

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