EMI vs SIP for ₹4,000,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 30,171
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 28,922
Monthly Savings
₹ 1,250
SIP Investment
@ 12% for 32 years
₹ 5,635,191
Extra Interest Paid
₹ 1,330,393
Final Outcome
₹ 4,304,797
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,635,191.
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