EMI vs SIP for ₹5,300,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 44,331
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 40,906
Monthly Savings
₹ 3,425
SIP Investment
@ 12% for 25 years
₹ 6,499,522
Extra Interest Paid
₹ 1,632,360
Final Outcome
₹ 4,867,161
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 8%, investing savings can generate ₹6,499,522.
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