EMI vs SIP for ₹4,000,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 34,999
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 31,738
Monthly Savings
₹ 3,260
SIP Investment
@ 12% for 23 years
₹ 4,802,758
Extra Interest Paid
₹ 1,200,039
Final Outcome
₹ 3,602,719
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,802,758.
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