EMI vs SIP for ₹4,000,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 36,997
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 32,817
Monthly Savings
₹ 4,180
SIP Investment
@ 12% for 21 years
₹ 4,759,525
Extra Interest Paid
₹ 1,166,490
Final Outcome
₹ 3,593,035
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,759,525.
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