EMI vs SIP for ₹4,500,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 34,317
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 32,767
Monthly Savings
₹ 1,550
SIP Investment
@ 12% for 31 years
₹ 6,186,135
Extra Interest Paid
₹ 1,482,321
Final Outcome
₹ 4,703,814
Profit from SIP strategy
Analysis
For ₹4,500,000 loan at 8%, investing savings can generate ₹6,186,135.
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