EMI vs SIP for ₹5,200,000

20 Years @ 8%

Original Plan

20 Years @ 8%

EMI: ₹ 43,495

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 40,134

Monthly Savings

₹ 3,360

SIP Investment

@ 12% for 25 years

₹ 6,376,889

Extra Interest Paid

₹ 1,601,561

Final Outcome

₹ 4,775,328

Profit from SIP strategy

Analysis

For ₹5,200,000 loan at 8%, investing savings can generate ₹6,376,889.

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