EMI vs SIP for ₹5,400,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 45,168
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 41,678
Monthly Savings
₹ 3,490
SIP Investment
@ 12% for 25 years
₹ 6,622,154
Extra Interest Paid
₹ 1,663,159
Final Outcome
₹ 4,958,995
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 8%, investing savings can generate ₹6,622,154.
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