EMI vs SIP for ₹5,000,000

10 Years @ 9%

Original Plan

10 Years @ 9%

EMI: ₹ 63,338

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 50,713

Monthly Savings

₹ 12,625

SIP Investment

@ 12% for 15 years

₹ 6,370,049

Extra Interest Paid

₹ 1,527,853

Final Outcome

₹ 4,842,196

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 9%, investing savings can generate ₹6,370,049.

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