EMI vs SIP for ₹5,300,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 49,021
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 43,483
Monthly Savings
₹ 5,538
SIP Investment
@ 12% for 21 years
₹ 6,306,370
Extra Interest Paid
₹ 1,545,599
Final Outcome
₹ 4,760,772
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 8%, investing savings can generate ₹6,306,370.
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