EMI vs SIP for ₹4,200,000

5 Years @ 8%

Original Plan

5 Years @ 8%

EMI: ₹ 85,161

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 50,958

Monthly Savings

₹ 34,203

SIP Investment

@ 12% for 10 years

₹ 7,946,755

Extra Interest Paid

₹ 1,005,259

Final Outcome

₹ 6,941,496

Profit from SIP strategy

Analysis

For ₹4,200,000 loan at 8%, investing savings can generate ₹7,946,755.

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