EMI vs SIP for ₹4,100,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 34,294
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 31,644
Monthly Savings
₹ 2,650
SIP Investment
@ 12% for 25 years
₹ 5,027,932
Extra Interest Paid
₹ 1,262,769
Final Outcome
₹ 3,765,163
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 8%, investing savings can generate ₹5,027,932.
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