EMI vs SIP for ₹4,000,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 32,247
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 30,171
Monthly Savings
₹ 2,076
SIP Investment
@ 12% for 27 years
₹ 5,058,474
Extra Interest Paid
₹ 1,262,228
Final Outcome
₹ 3,796,245
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,058,474.
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