EMI vs SIP for ₹4,600,000

26 Years @ 10%

Original Plan

26 Years @ 10%

EMI: ₹ 41,445

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 40,166

Monthly Savings

₹ 1,279

SIP Investment

@ 12% for 31 years

₹ 5,102,768

Extra Interest Paid

₹ 2,010,998

Final Outcome

₹ 3,091,770

Profit from SIP strategy

Analysis

For ₹4,600,000 loan at 10%, investing savings can generate ₹5,102,768.

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₹41L Loan for 21 years at 12% vs SIP ₹72L Loan for 5 years at 11% vs SIP ₹37L Loan for 28 years at 7% vs SIP ₹10L Loan for 12 years at 9% vs SIP ₹64L Loan for 28 years at 12% vs SIP ₹6L Loan for 30 years at 12% vs SIP
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