EMI vs SIP for ₹4,000,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 45,662
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 36,997
Monthly Savings
₹ 8,665
SIP Investment
@ 12% for 16 years
₹ 5,037,518
Extra Interest Paid
₹ 1,076,068
Final Outcome
₹ 3,961,450
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,037,518.
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