EMI vs SIP for ₹5,000,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 38,130
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 36,407
Monthly Savings
₹ 1,723
SIP Investment
@ 12% for 31 years
₹ 6,873,483
Extra Interest Paid
₹ 1,647,023
Final Outcome
₹ 5,226,460
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹6,873,483.
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