EMI vs SIP for ₹4,000,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 41,323
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 34,999
Monthly Savings
₹ 6,324
SIP Investment
@ 12% for 18 years
₹ 4,840,982
Extra Interest Paid
₹ 1,113,296
Final Outcome
₹ 3,727,686
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,840,982.
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