EMI vs SIP for ₹4,200,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 40,137
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 35,130
Monthly Savings
₹ 5,007
SIP Investment
@ 12% for 20 years
₹ 5,002,638
Extra Interest Paid
₹ 1,206,586
Final Outcome
₹ 3,796,052
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,002,638.
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