EMI vs SIP for ₹4,400,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 40,697
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 36,099
Monthly Savings
₹ 4,598
SIP Investment
@ 12% for 21 years
₹ 5,235,477
Extra Interest Paid
₹ 1,283,139
Final Outcome
₹ 3,952,339
Profit from SIP strategy
Analysis
For ₹4,400,000 loan at 8%, investing savings can generate ₹5,235,477.
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