EMI vs SIP for ₹4,000,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 29,870
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 28,735
Monthly Savings
₹ 1,135
SIP Investment
@ 12% for 33 years
₹ 5,781,929
Extra Interest Paid
₹ 1,342,742
Final Outcome
₹ 4,439,187
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,781,929.
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