EMI vs SIP for ₹5,000,000

9 Years @ 8%

Original Plan

9 Years @ 8%

EMI: ₹ 65,094

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 49,566

Monthly Savings

₹ 15,528

SIP Investment

@ 12% for 14 years

₹ 6,776,552

Extra Interest Paid

₹ 1,296,967

Final Outcome

₹ 5,479,585

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 8%, investing savings can generate ₹6,776,552.

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