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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