EMI vs SIP for ₹4,000,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 81,106
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 48,531
Monthly Savings
₹ 32,575
SIP Investment
@ 12% for 10 years
₹ 7,568,338
Extra Interest Paid
₹ 957,390
Final Outcome
₹ 6,610,948
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹7,568,338.
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