EMI vs SIP for ₹4,000,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 38,226
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 33,458
Monthly Savings
₹ 4,768
SIP Investment
@ 12% for 20 years
₹ 4,764,417
Extra Interest Paid
₹ 1,149,130
Final Outcome
₹ 3,615,288
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,764,417.
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