EMI vs SIP for ₹6,400,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 67,005

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 65,620

Monthly Savings

₹ 1,385

SIP Investment

@ 12% for 31 years

₹ 5,526,995

Extra Interest Paid

₹ 3,505,051

Final Outcome

₹ 2,021,945

Profit from SIP strategy

Analysis

For ₹6,400,000 loan at 12%, investing savings can generate ₹5,526,995.

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