EMI vs SIP for ₹4,600,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 42,547
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 37,740
Monthly Savings
₹ 4,807
SIP Investment
@ 12% for 21 years
₹ 5,473,453
Extra Interest Paid
₹ 1,341,463
Final Outcome
₹ 4,131,990
Profit from SIP strategy
Analysis
For ₹4,600,000 loan at 8%, investing savings can generate ₹5,473,453.
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