EMI vs SIP for ₹5,000,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 57,077
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 46,246
Monthly Savings
₹ 10,831
SIP Investment
@ 12% for 16 years
₹ 6,296,897
Extra Interest Paid
₹ 1,345,085
Final Outcome
₹ 4,951,812
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,296,897.
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