EMI vs SIP for ₹6,400,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 65,831
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 64,995
Monthly Savings
₹ 836
SIP Investment
@ 12% for 35 years
₹ 5,430,177
Extra Interest Paid
₹ 3,598,744
Final Outcome
₹ 1,831,433
Profit from SIP strategy
Analysis
For ₹6,400,000 loan at 12%, investing savings can generate ₹5,430,177.
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