EMI vs SIP for ₹5,100,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 42,658
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 39,363
Monthly Savings
₹ 3,296
SIP Investment
@ 12% for 25 years
₹ 6,254,257
Extra Interest Paid
₹ 1,570,762
Final Outcome
₹ 4,683,495
Profit from SIP strategy
Analysis
For ₹5,100,000 loan at 8%, investing savings can generate ₹6,254,257.
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