EMI vs SIP for ₹5,100,000

6 Years @ 12%

Original Plan

6 Years @ 12%

EMI: ₹ 99,706

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 69,757

Monthly Savings

₹ 29,949

SIP Investment

@ 12% for 11 years

₹ 8,224,384

Extra Interest Paid

₹ 2,029,117

Final Outcome

₹ 6,195,267

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 12%, investing savings can generate ₹8,224,384.

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