EMI vs SIP for ₹5,000,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 52,072
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 51,120
Monthly Savings
₹ 953
SIP Investment
@ 12% for 32 years
₹ 4,295,267
Extra Interest Paid
₹ 2,758,573
Final Outcome
₹ 1,536,694
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,295,267.
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