EMI vs SIP for ₹4,100,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 39,182
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 34,294
Monthly Savings
₹ 4,888
SIP Investment
@ 12% for 20 years
₹ 4,883,528
Extra Interest Paid
₹ 1,177,858
Final Outcome
₹ 3,705,670
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 8%, investing savings can generate ₹4,883,528.
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