EMI vs SIP for ₹4,500,000

8 Years @ 8%

Original Plan

8 Years @ 8%

EMI: ₹ 63,615

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 46,488

Monthly Savings

₹ 17,127

SIP Investment

@ 12% for 13 years

₹ 6,438,472

Extra Interest Paid

₹ 1,145,133

Final Outcome

₹ 5,293,339

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 8%, investing savings can generate ₹6,438,472.

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