EMI vs SIP for ₹5,000,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 47,783
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 41,822
Monthly Savings
₹ 5,961
SIP Investment
@ 12% for 20 years
₹ 5,955,522
Extra Interest Paid
₹ 1,436,412
Final Outcome
₹ 4,519,110
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹5,955,522.
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