EMI vs SIP for ₹5,000,000

6 Years @ 7%

Original Plan

6 Years @ 7%

EMI: ₹ 85,245

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 54,421

Monthly Savings

₹ 30,825

SIP Investment

@ 12% for 11 years

₹ 8,464,872

Extra Interest Paid

₹ 1,045,864

Final Outcome

₹ 7,419,008

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 7%, investing savings can generate ₹8,464,872.

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₹85L Loan for 30 years at 9% vs SIP ₹27L Loan for 15 years at 11% vs SIP ₹55L Loan for 10 years at 8% vs SIP ₹44L Loan for 27 years at 12% vs SIP ₹50L Loan for 12 years at 8% vs SIP ₹10L Loan for 25 years at 11% vs SIP
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