EMI vs SIP for ₹5,000,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 40,775
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 36,496
Monthly Savings
₹ 4,279
SIP Investment
@ 12% for 23 years
₹ 6,303,429
Extra Interest Paid
₹ 1,265,462
Final Outcome
₹ 5,037,968
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,303,429.
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