EMI vs SIP for ₹4,400,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 42,049
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 36,803
Monthly Savings
₹ 5,245
SIP Investment
@ 12% for 20 years
₹ 5,240,859
Extra Interest Paid
₹ 1,264,043
Final Outcome
₹ 3,976,817
Profit from SIP strategy
Analysis
For ₹4,400,000 loan at 8%, investing savings can generate ₹5,240,859.
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