EMI vs SIP for ₹5,400,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 87,765
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 68,508
Monthly Savings
₹ 19,257
SIP Investment
@ 12% for 13 years
₹ 7,239,444
Extra Interest Paid
₹ 2,261,771
Final Outcome
₹ 4,977,673
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 12%, investing savings can generate ₹7,239,444.
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