EMI vs SIP for ₹5,000,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 77,931
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 54,123
Monthly Savings
₹ 23,808
SIP Investment
@ 12% for 12 years
₹ 7,672,322
Extra Interest Paid
₹ 1,247,449
Final Outcome
₹ 6,424,874
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹7,672,322.
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