EMI vs SIP for ₹5,000,000

6 Years @ 10%

Original Plan

6 Years @ 10%

EMI: ₹ 92,629

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 62,599

Monthly Savings

₹ 30,030

SIP Investment

@ 12% for 11 years

₹ 8,246,628

Extra Interest Paid

₹ 1,593,818

Final Outcome

₹ 6,652,811

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 10%, investing savings can generate ₹8,246,628.

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