EMI vs SIP for ₹5,400,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 77,474
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 64,809
Monthly Savings
₹ 12,665
SIP Investment
@ 12% for 15 years
₹ 6,390,575
Extra Interest Paid
₹ 2,368,716
Final Outcome
₹ 4,021,858
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 12%, investing savings can generate ₹6,390,575.
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