EMI vs SIP for ₹4,000,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 31,282
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 29,598
Monthly Savings
₹ 1,684
SIP Investment
@ 12% for 29 years
₹ 5,257,225
Extra Interest Paid
₹ 1,290,782
Final Outcome
₹ 3,966,443
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,257,225.
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