EMI vs SIP for ₹4,100,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 30,084
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 29,121
Monthly Savings
₹ 964
SIP Investment
@ 12% for 35 years
₹ 6,259,176
Extra Interest Paid
₹ 1,400,327
Final Outcome
₹ 4,858,849
Profit from SIP strategy
Analysis
For ₹4,100,000 loan at 8%, investing savings can generate ₹6,259,176.
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