EMI vs SIP for ₹4,200,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 36,748
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 33,325
Monthly Savings
₹ 3,423
SIP Investment
@ 12% for 23 years
₹ 5,042,896
Extra Interest Paid
₹ 1,260,041
Final Outcome
₹ 3,782,855
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,042,896.
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