EMI vs SIP for ₹5,000,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 55,769
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 53,019
Monthly Savings
₹ 2,750
SIP Investment
@ 12% for 24 years
₹ 4,600,206
Extra Interest Paid
₹ 2,554,103
Final Outcome
₹ 2,046,103
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,600,206.
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