EMI vs SIP for ₹5,300,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 43,483
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 40,418
Monthly Savings
₹ 3,065
SIP Investment
@ 12% for 26 years
₹ 6,593,119
Extra Interest Paid
₹ 1,652,687
Final Outcome
₹ 4,940,432
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 8%, investing savings can generate ₹6,593,119.
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