EMI vs SIP for ₹4,000,000
17 Years @ 8%
Original Plan
17 Years @ 8%
EMI: ₹ 35,930
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 32,247
Monthly Savings
₹ 3,683
SIP Investment
@ 12% for 22 years
₹ 4,772,989
Extra Interest Paid
₹ 1,183,463
Final Outcome
₹ 3,589,526
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,772,989.
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