EMI vs SIP for ₹4,800,000

29 Years @ 8%

Original Plan

29 Years @ 8%

EMI: ₹ 35,517

Extended Plan

34 Years (Reduced EMI)

EMI: ₹ 34,279

Monthly Savings

₹ 1,239

SIP Investment

@ 12% for 34 years

₹ 7,126,818

Extra Interest Paid

₹ 1,625,601

Final Outcome

₹ 5,501,218

Profit from SIP strategy

Analysis

For ₹4,800,000 loan at 8%, investing savings can generate ₹7,126,818.

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