EMI vs SIP for ₹4,200,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 30,818
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 29,831
Monthly Savings
₹ 987
SIP Investment
@ 12% for 35 years
₹ 6,411,839
Extra Interest Paid
₹ 1,434,482
Final Outcome
₹ 4,977,357
Profit from SIP strategy
Analysis
For ₹4,200,000 loan at 8%, investing savings can generate ₹6,411,839.
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