EMI vs SIP for ₹5,300,000

11 Years @ 7%

Original Plan

11 Years @ 7%

EMI: ₹ 57,686

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 45,962

Monthly Savings

₹ 11,724

SIP Investment

@ 12% for 16 years

₹ 6,815,909

Extra Interest Paid

₹ 1,210,192

Final Outcome

₹ 5,605,717

Profit from SIP strategy

Analysis

For ₹5,300,000 loan at 7%, investing savings can generate ₹6,815,909.

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