EMI vs SIP for ₹4,400,000

18 Years @ 8%

Original Plan

18 Years @ 8%

EMI: ₹ 38,498

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 34,912

Monthly Savings

₹ 3,586

SIP Investment

@ 12% for 23 years

₹ 5,283,034

Extra Interest Paid

₹ 1,320,043

Final Outcome

₹ 3,962,991

Profit from SIP strategy

Analysis

For ₹4,400,000 loan at 8%, investing savings can generate ₹5,283,034.

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