EMI vs SIP for ₹4,300,000

25 Years @ 8%

Original Plan

25 Years @ 8%

EMI: ₹ 33,188

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 31,552

Monthly Savings

₹ 1,636

SIP Investment

@ 12% for 30 years

₹ 5,775,718

Extra Interest Paid

₹ 1,402,246

Final Outcome

₹ 4,373,472

Profit from SIP strategy

Analysis

For ₹4,300,000 loan at 8%, investing savings can generate ₹5,775,718.

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