EMI vs SIP for ₹4,000,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 48,531
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 38,226
Monthly Savings
₹ 10,305
SIP Investment
@ 12% for 15 years
₹ 5,199,633
Extra Interest Paid
₹ 1,056,970
Final Outcome
₹ 4,142,662
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,199,633.
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