EMI vs SIP for ₹5,000,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 37,714
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 36,152
Monthly Savings
₹ 1,562
SIP Investment
@ 12% for 32 years
₹ 7,043,989
Extra Interest Paid
₹ 1,662,992
Final Outcome
₹ 5,380,997
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹7,043,989.
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