EMI vs SIP for ₹4,600,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 37,740
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 35,080
Monthly Savings
₹ 2,660
SIP Investment
@ 12% for 26 years
₹ 5,722,330
Extra Interest Paid
₹ 1,434,407
Final Outcome
₹ 4,287,922
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 8%, investing savings can generate ₹5,722,330.
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