EMI vs SIP for ₹5,000,000

22 Years @ 11%

Original Plan

22 Years @ 11%

EMI: ₹ 50,361

Extended Plan

27 Years (Reduced EMI)

EMI: ₹ 48,348

Monthly Savings

₹ 2,014

SIP Investment

@ 12% for 27 years

₹ 4,906,770

Extra Interest Paid

₹ 2,369,243

Final Outcome

₹ 2,537,527

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 11%, investing savings can generate ₹4,906,770.

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