EMI vs SIP for ₹5,000,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 54,123
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 44,913
Monthly Savings
₹ 9,210
SIP Investment
@ 12% for 17 years
₹ 6,151,409
Extra Interest Paid
₹ 1,368,561
Final Outcome
₹ 4,782,847
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,151,409.
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