EMI vs SIP for ₹4,300,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 39,772
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 35,278
Monthly Savings
₹ 4,493
SIP Investment
@ 12% for 21 years
₹ 5,116,489
Extra Interest Paid
₹ 1,253,976
Final Outcome
₹ 3,862,513
Profit from SIP strategy
Analysis
For ₹4,300,000 loan at 8%, investing savings can generate ₹5,116,489.
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