EMI vs SIP for ₹4,000,000
19 Years @ 8%
Original Plan
19 Years @ 8%
EMI: ₹ 34,180
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 31,282
Monthly Savings
₹ 2,898
SIP Investment
@ 12% for 24 years
₹ 4,847,264
Extra Interest Paid
₹ 1,216,211
Final Outcome
₹ 3,631,053
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,847,264.
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