EMI vs SIP for ₹4,200,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 33,325
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 31,364
Monthly Savings
₹ 1,961
SIP Investment
@ 12% for 28 years
₹ 5,409,986
Extra Interest Paid
₹ 1,340,556
Final Outcome
₹ 4,069,431
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹5,409,986.
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