EMI vs SIP for ₹4,800,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 40,149
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 37,047
Monthly Savings
₹ 3,102
SIP Investment
@ 12% for 25 years
₹ 5,886,359
Extra Interest Paid
₹ 1,478,364
Final Outcome
₹ 4,407,995
Profit from SIP strategy
Analysis
For ₹4,800,000 loan at 8%, investing savings can generate ₹5,886,359.
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