EMI vs SIP for ₹4,000,000

9 Years @ 8%

Original Plan

9 Years @ 8%

EMI: ₹ 52,075

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 39,653

Monthly Savings

₹ 12,422

SIP Investment

@ 12% for 14 years

₹ 5,421,241

Extra Interest Paid

₹ 1,037,573

Final Outcome

₹ 4,383,668

Profit from SIP strategy

Analysis

For ₹4,000,000 loan at 8%, investing savings can generate ₹5,421,241.

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