EMI vs SIP for ₹4,000,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 32,817
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 30,504
Monthly Savings
₹ 2,313
SIP Investment
@ 12% for 26 years
₹ 4,975,939
Extra Interest Paid
₹ 1,247,311
Final Outcome
₹ 3,728,628
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹4,975,939.
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