EMI vs SIP for ₹5,000,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 71,735
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 60,008
Monthly Savings
₹ 11,727
SIP Investment
@ 12% for 15 years
₹ 5,917,199
Extra Interest Paid
₹ 2,193,256
Final Outcome
₹ 3,723,943
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹5,917,199.
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