EMI vs SIP for ₹5,000,000
19 Years @ 8%
Original Plan
19 Years @ 8%
EMI: ₹ 42,725
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 39,103
Monthly Savings
₹ 3,622
SIP Investment
@ 12% for 24 years
₹ 6,059,080
Extra Interest Paid
₹ 1,520,264
Final Outcome
₹ 4,538,816
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,059,080.
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