EMI vs SIP for ₹5,000,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 48,904
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 40,775
Monthly Savings
₹ 8,129
SIP Investment
@ 12% for 18 years
₹ 6,221,948
Extra Interest Paid
₹ 1,178,445
Final Outcome
₹ 5,043,503
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,221,948.
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