EMI vs SIP for ₹4,000,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 33,458
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 30,873
Monthly Savings
₹ 2,585
SIP Investment
@ 12% for 25 years
₹ 4,905,299
Extra Interest Paid
₹ 1,231,970
Final Outcome
₹ 3,673,329
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,905,299.
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