EMI vs SIP for ₹5,000,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 68,389
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 58,686
Monthly Savings
₹ 9,703
SIP Investment
@ 12% for 16 years
₹ 5,641,193
Extra Interest Paid
₹ 2,240,361
Final Outcome
₹ 3,400,831
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹5,641,193.
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