EMI vs SIP for ₹4,400,000

26 Years @ 9%

Original Plan

26 Years @ 9%

EMI: ₹ 36,552

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 35,184

Monthly Savings

₹ 1,368

SIP Investment

@ 12% for 31 years

₹ 5,459,640

Extra Interest Paid

₹ 1,684,142

Final Outcome

₹ 3,775,498

Profit from SIP strategy

Analysis

For ₹4,400,000 loan at 9%, investing savings can generate ₹5,459,640.

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