EMI vs SIP for ₹5,100,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 53,395

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 52,291

Monthly Savings

₹ 1,104

SIP Investment

@ 12% for 31 years

₹ 4,404,325

Extra Interest Paid

₹ 2,793,087

Final Outcome

₹ 1,611,237

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 12%, investing savings can generate ₹4,404,325.

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