EMI vs SIP for ₹4,000,000

9 Years @ 8%

Original Plan

9 Years @ 8%

EMI: ₹ 52,075

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 39,653

Monthly Savings

₹ 12,422

SIP Investment

@ 12% for 14 years

₹ 5,421,241

Extra Interest Paid

₹ 1,037,573

Final Outcome

₹ 4,383,668

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 8%, investing savings can generate ₹5,421,241.

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₹62L Loan for 16 years at 9% vs SIP ₹93L Loan for 24 years at 8% vs SIP ₹51L Loan for 28 years at 11% vs SIP ₹45L Loan for 19 years at 7% vs SIP ₹64L Loan for 26 years at 7% vs SIP ₹25L Loan for 6 years at 12% vs SIP
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