EMI vs SIP for ₹5,000,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 39,103
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 36,997
Monthly Savings
₹ 2,105
SIP Investment
@ 12% for 29 years
₹ 6,571,531
Extra Interest Paid
₹ 1,613,478
Final Outcome
₹ 4,958,053
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,571,531.
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