EMI vs SIP for ₹4,000,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 29,598
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 28,565
Monthly Savings
₹ 1,032
SIP Investment
@ 12% for 34 years
₹ 5,939,015
Extra Interest Paid
₹ 1,354,667
Final Outcome
₹ 4,584,348
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,939,015.
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