EMI vs SIP for ₹6,000,000

15 Years @ 8%

Original Plan

15 Years @ 8%

EMI: ₹ 57,339

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 50,186

Monthly Savings

₹ 7,153

SIP Investment

@ 12% for 20 years

₹ 7,146,626

Extra Interest Paid

₹ 1,723,694

Final Outcome

₹ 5,422,932

Profit from SIP strategy

Analysis

For ₹6,000,000 loan at 8%, investing savings can generate ₹7,146,626.

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