EMI vs SIP for ₹4,000,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 62,345
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 43,298
Monthly Savings
₹ 19,047
SIP Investment
@ 12% for 12 years
₹ 6,137,858
Extra Interest Paid
₹ 997,959
Final Outcome
₹ 5,139,899
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹6,137,858.
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