EMI vs SIP for ₹6,400,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 53,532
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 49,396
Monthly Savings
₹ 4,136
SIP Investment
@ 12% for 25 years
₹ 7,848,479
Extra Interest Paid
₹ 1,971,152
Final Outcome
₹ 5,877,327
Profit from SIP strategy
Analysis
For ₹6,400,000 loan at 8%, investing savings can generate ₹7,848,479.
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