EMI vs SIP for ₹4,600,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 43,960
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 38,476
Monthly Savings
₹ 5,484
SIP Investment
@ 12% for 20 years
₹ 5,479,080
Extra Interest Paid
₹ 1,321,499
Final Outcome
₹ 4,157,581
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 8%, investing savings can generate ₹5,479,080.
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