EMI vs SIP for ₹4,200,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 35,130
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 32,416
Monthly Savings
₹ 2,714
SIP Investment
@ 12% for 25 years
₹ 5,150,564
Extra Interest Paid
₹ 1,293,568
Final Outcome
₹ 3,856,996
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,150,564.
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