EMI vs SIP for ₹5,000,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 51,654
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 43,748
Monthly Savings
₹ 7,906
SIP Investment
@ 12% for 18 years
₹ 6,051,228
Extra Interest Paid
₹ 1,391,620
Final Outcome
₹ 4,659,608
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,051,228.
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