EMI vs SIP for ₹5,000,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 39,673
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 37,338
Monthly Savings
₹ 2,335
SIP Investment
@ 12% for 28 years
₹ 6,440,460
Extra Interest Paid
₹ 1,595,900
Final Outcome
₹ 4,844,560
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,440,460.
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