EMI vs SIP for ₹5,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 55,054
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 52,661
Monthly Savings
₹ 2,393
SIP Investment
@ 12% for 25 years
₹ 4,541,230
Extra Interest Paid
₹ 2,585,329
Final Outcome
₹ 1,955,901
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,541,230.
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