EMI vs SIP for ₹5,000,000

7 Years @ 12%

Original Plan

7 Years @ 12%

EMI: ₹ 88,264

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 65,671

Monthly Savings

₹ 22,593

SIP Investment

@ 12% for 12 years

₹ 7,280,549

Extra Interest Paid

₹ 2,042,470

Final Outcome

₹ 5,238,079

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 12%, investing savings can generate ₹7,280,549.

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