EMI vs SIP for ₹5,000,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 81,264
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 63,433
Monthly Savings
₹ 17,831
SIP Investment
@ 12% for 13 years
₹ 6,703,189
Extra Interest Paid
₹ 2,094,233
Final Outcome
₹ 4,608,957
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹6,703,189.
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