EMI vs SIP for ₹5,100,000

8 Years @ 8%

Original Plan

8 Years @ 8%

EMI: ₹ 72,097

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 52,687

Monthly Savings

₹ 19,410

SIP Investment

@ 12% for 13 years

₹ 7,296,935

Extra Interest Paid

₹ 1,297,818

Final Outcome

₹ 5,999,117

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 8%, investing savings can generate ₹7,296,935.

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