EMI vs SIP for ₹5,000,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 46,246
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 41,021
Monthly Savings
₹ 5,225
SIP Investment
@ 12% for 21 years
₹ 5,949,406
Extra Interest Paid
₹ 1,458,112
Final Outcome
₹ 4,491,294
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹5,949,406.
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