EMI vs SIP for ₹5,300,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 62,207
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 57,701
Monthly Savings
₹ 4,506
SIP Investment
@ 12% for 21 years
₹ 5,131,265
Extra Interest Paid
₹ 2,596,846
Final Outcome
₹ 2,534,419
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 12%, investing savings can generate ₹5,131,265.
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