EMI vs SIP for ₹4,000,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 56,547
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 41,323
Monthly Savings
₹ 15,224
SIP Investment
@ 12% for 13 years
₹ 5,723,086
Extra Interest Paid
₹ 1,017,896
Final Outcome
₹ 4,705,190
Profit from SIP strategy
Analysis
For ₹4,000,000 loan at 8%, investing savings can generate ₹5,723,086.
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