EMI vs SIP for ₹4,000,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 30,504
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 29,126
Monthly Savings
₹ 1,378
SIP Investment
@ 12% for 31 years
₹ 5,498,787
Extra Interest Paid
₹ 1,317,619
Final Outcome
₹ 4,181,168
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,498,787.
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