EMI vs SIP for ₹4,200,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 32,029
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 30,582
Monthly Savings
₹ 1,447
SIP Investment
@ 12% for 31 years
₹ 5,773,726
Extra Interest Paid
₹ 1,383,500
Final Outcome
₹ 4,390,227
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,773,726.
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