EMI vs SIP for ₹4,000,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 31,738
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 29,870
Monthly Savings
₹ 1,868
SIP Investment
@ 12% for 28 years
₹ 5,152,368
Extra Interest Paid
₹ 1,276,720
Final Outcome
₹ 3,875,648
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,152,368.
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