EMI vs SIP for ₹5,300,000

8 Years @ 8%

Original Plan

8 Years @ 8%

EMI: ₹ 74,924

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 54,753

Monthly Savings

₹ 20,171

SIP Investment

@ 12% for 13 years

₹ 7,583,089

Extra Interest Paid

₹ 1,348,712

Final Outcome

₹ 6,234,377

Profit from SIP strategy

Analysis

For ₹5,300,000 loan at 8%, investing savings can generate ₹7,583,089.

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₹21L Loan for 18 years at 8% vs SIP ₹45L Loan for 5 years at 12% vs SIP ₹88L Loan for 16 years at 7% vs SIP ₹39L Loan for 15 years at 9% vs SIP ₹37L Loan for 21 years at 7% vs SIP ₹38L Loan for 5 years at 12% vs SIP
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