EMI vs SIP for ₹4,100,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 33,638
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 31,267
Monthly Savings
₹ 2,371
SIP Investment
@ 12% for 26 years
₹ 5,100,337
Extra Interest Paid
₹ 1,278,493
Final Outcome
₹ 3,821,844
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 8%, investing savings can generate ₹5,100,337.
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