EMI vs SIP for ₹4,100,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 31,267

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 29,854

Monthly Savings

₹ 1,412

SIP Investment

@ 12% for 31 years

₹ 5,636,256

Extra Interest Paid

₹ 1,350,559

Final Outcome

₹ 4,285,697

Profit from SIP strategy

Analysis

For ₹4,100,000 loan at 8%, investing savings can generate ₹5,636,256.

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