EMI vs SIP for ₹6,500,000

18 Years @ 8%

Original Plan

18 Years @ 8%

EMI: ₹ 56,873

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 51,574

Monthly Savings

₹ 5,298

SIP Investment

@ 12% for 23 years

₹ 7,804,482

Extra Interest Paid

₹ 1,950,064

Final Outcome

₹ 5,854,418

Profit from SIP strategy

Analysis

For ₹6,500,000 loan at 8%, investing savings can generate ₹7,804,482.

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