EMI vs SIP for ₹5,300,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 59,993
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 56,634
Monthly Savings
₹ 3,359
SIP Investment
@ 12% for 23 years
₹ 4,948,635
Extra Interest Paid
₹ 2,672,399
Final Outcome
₹ 2,276,236
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 12%, investing savings can generate ₹4,948,635.
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