EMI vs SIP for ₹4,000,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 29,351
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 28,410
Monthly Savings
₹ 940
SIP Investment
@ 12% for 35 years
₹ 6,106,513
Extra Interest Paid
₹ 1,366,173
Final Outcome
₹ 4,740,340
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹6,106,513.
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