EMI vs SIP for ₹4,000,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 43,298
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 35,930
Monthly Savings
₹ 7,368
SIP Investment
@ 12% for 17 years
₹ 4,921,127
Extra Interest Paid
₹ 1,094,849
Final Outcome
₹ 3,826,278
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,921,127.
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