EMI vs SIP for ₹5,000,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 41,822
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 38,591
Monthly Savings
₹ 3,231
SIP Investment
@ 12% for 25 years
₹ 6,131,624
Extra Interest Paid
₹ 1,539,962
Final Outcome
₹ 4,591,662
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,131,624.
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