EMI vs SIP for ₹5,000,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 60,664
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 47,783
Monthly Savings
₹ 12,881
SIP Investment
@ 12% for 15 years
₹ 6,499,541
Extra Interest Paid
₹ 1,321,213
Final Outcome
₹ 5,178,328
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,499,541.
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