EMI vs SIP for ₹4,500,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 36,919
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 34,317
Monthly Savings
₹ 2,602
SIP Investment
@ 12% for 26 years
₹ 5,597,931
Extra Interest Paid
₹ 1,403,224
Final Outcome
₹ 4,194,707
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 8%, investing savings can generate ₹5,597,931.
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