EMI vs SIP for ₹4,500,000

27 Years @ 8%

Original Plan

27 Years @ 8%

EMI: ₹ 33,943

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 32,537

Monthly Savings

₹ 1,406

SIP Investment

@ 12% for 32 years

₹ 6,339,590

Extra Interest Paid

₹ 1,496,693

Final Outcome

₹ 4,842,897

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 8%, investing savings can generate ₹6,339,590.

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