EMI vs SIP for ₹4,000,000
6 Years @ 8%
Original Plan
6 Years @ 8%
EMI: ₹ 70,133
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 45,662
Monthly Savings
₹ 24,471
SIP Investment
@ 12% for 11 years
₹ 6,720,147
Extra Interest Paid
₹ 977,783
Final Outcome
₹ 5,742,365
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹6,720,147.
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