EMI vs SIP for ₹5,400,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 47,248
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 42,846
Monthly Savings
₹ 4,402
SIP Investment
@ 12% for 23 years
₹ 6,483,724
Extra Interest Paid
₹ 1,620,053
Final Outcome
₹ 4,863,670
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 8%, investing savings can generate ₹6,483,724.
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