EMI vs SIP for ₹5,000,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 38,591
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 36,688
Monthly Savings
₹ 1,903
SIP Investment
@ 12% for 30 years
₹ 6,715,951
Extra Interest Paid
₹ 1,630,519
Final Outcome
₹ 5,085,432
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,715,951.
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