EMI vs SIP for ₹5,100,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 48,738
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 42,658
Monthly Savings
₹ 6,080
SIP Investment
@ 12% for 20 years
₹ 6,074,632
Extra Interest Paid
₹ 1,465,140
Final Outcome
₹ 4,609,492
Profit from SIP strategy
Analysis
For ₹5,100,000 loan at 8%, investing savings can generate ₹6,074,632.
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