EMI vs SIP for ₹5,700,000

14 Years @ 10%

Original Plan

14 Years @ 10%

EMI: ₹ 63,168

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 55,932

Monthly Savings

₹ 7,236

SIP Investment

@ 12% for 19 years

₹ 6,333,675

Extra Interest Paid

₹ 2,140,292

Final Outcome

₹ 4,193,383

Profit from SIP strategy

Analysis

For ₹5,700,000 loan at 10%, investing savings can generate ₹6,333,675.

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