EMI vs SIP for ₹6,200,000

20 Years @ 8%

Original Plan

20 Years @ 8%

EMI: ₹ 51,859

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 47,853

Monthly Savings

₹ 4,007

SIP Investment

@ 12% for 25 years

₹ 7,603,214

Extra Interest Paid

₹ 1,909,553

Final Outcome

₹ 5,693,661

Profit from SIP strategy

Analysis

For ₹6,200,000 loan at 8%, investing savings can generate ₹7,603,214.

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