EMI vs SIP for ₹5,000,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 36,688
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 35,513
Monthly Savings
₹ 1,175
SIP Investment
@ 12% for 35 years
₹ 7,633,141
Extra Interest Paid
₹ 1,707,716
Final Outcome
₹ 5,925,425
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 8%, investing savings can generate ₹7,633,141.
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