EMI vs SIP for ₹5,000,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 40,309
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 37,714
Monthly Savings
₹ 2,595
SIP Investment
@ 12% for 27 years
₹ 6,323,092
Extra Interest Paid
₹ 1,577,785
Final Outcome
₹ 4,745,307
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,323,092.
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