EMI vs SIP for ₹4,000,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 30,873
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 29,351
Monthly Savings
₹ 1,522
SIP Investment
@ 12% for 30 years
₹ 5,372,761
Extra Interest Paid
₹ 1,304,415
Final Outcome
₹ 4,068,346
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,372,761.
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