EMI vs SIP for ₹4,500,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 43,004
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 37,640
Monthly Savings
₹ 5,365
SIP Investment
@ 12% for 20 years
₹ 5,359,970
Extra Interest Paid
₹ 1,292,771
Final Outcome
₹ 4,067,199
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 8%, investing savings can generate ₹5,359,970.
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