EMI vs SIP for ₹5,400,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 51,605
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 45,168
Monthly Savings
₹ 6,437
SIP Investment
@ 12% for 20 years
₹ 6,431,964
Extra Interest Paid
₹ 1,551,325
Final Outcome
₹ 4,880,639
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 8%, investing savings can generate ₹6,431,964.
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