EMI vs SIP for ₹5,000,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 41,021
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 38,130
Monthly Savings
₹ 2,891
SIP Investment
@ 12% for 26 years
₹ 6,219,924
Extra Interest Paid
₹ 1,559,138
Final Outcome
₹ 4,660,785
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,219,924.
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