EMI vs SIP for ₹4,200,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 34,458
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 32,029
Monthly Savings
₹ 2,429
SIP Investment
@ 12% for 26 years
₹ 5,224,736
Extra Interest Paid
₹ 1,309,676
Final Outcome
₹ 3,915,060
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,224,736.
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