EMI vs SIP for ₹4,100,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 37,922
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 33,638
Monthly Savings
₹ 4,284
SIP Investment
@ 12% for 21 years
₹ 4,878,513
Extra Interest Paid
₹ 1,195,652
Final Outcome
₹ 3,682,861
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 8%, investing savings can generate ₹4,878,513.
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