EMI vs SIP for ₹5,000,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 36,997
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 35,707
Monthly Savings
₹ 1,290
SIP Investment
@ 12% for 34 years
₹ 7,423,769
Extra Interest Paid
₹ 1,693,334
Final Outcome
₹ 5,730,435
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹7,423,769.
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