EMI vs SIP for ₹5,000,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 54,435
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 52,348
Monthly Savings
₹ 2,087
SIP Investment
@ 12% for 26 years
₹ 4,490,144
Extra Interest Paid
₹ 2,614,843
Final Outcome
₹ 1,875,301
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,490,144.
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