EMI vs SIP for ₹4,100,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 35,873
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 32,532
Monthly Savings
₹ 3,342
SIP Investment
@ 12% for 23 years
₹ 4,922,827
Extra Interest Paid
₹ 1,230,040
Final Outcome
₹ 3,692,787
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 8%, investing savings can generate ₹4,922,827.
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