EMI vs SIP for ₹4,000,000
14 Years @ 8%
Original Plan
14 Years @ 8%
EMI: ₹ 39,653
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 34,180
Monthly Savings
₹ 5,473
SIP Investment
@ 12% for 19 years
₹ 4,790,370
Extra Interest Paid
₹ 1,131,394
Final Outcome
₹ 3,658,975
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,790,370.
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