EMI vs SIP for ₹5,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 52,348
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 51,266
Monthly Savings
₹ 1,082
SIP Investment
@ 12% for 31 years
₹ 4,317,965
Extra Interest Paid
₹ 2,738,321
Final Outcome
₹ 1,579,644
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,317,965.
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