EMI vs SIP for ₹5,000,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 51,831
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 50,991
Monthly Savings
₹ 839
SIP Investment
@ 12% for 33 years
₹ 4,275,322
Extra Interest Paid
₹ 2,777,482
Final Outcome
₹ 1,497,840
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,275,322.
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