EMI vs SIP for ₹4,200,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 38,847
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 34,458
Monthly Savings
₹ 4,389
SIP Investment
@ 12% for 21 years
₹ 4,997,501
Extra Interest Paid
₹ 1,224,814
Final Outcome
₹ 3,772,687
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹4,997,501.
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