EMI vs SIP for ₹5,000,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 53,730
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 48,251
Monthly Savings
₹ 5,479
SIP Investment
@ 12% for 20 years
₹ 5,474,505
Extra Interest Paid
₹ 1,908,814
Final Outcome
₹ 3,565,691
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 10%, investing savings can generate ₹5,474,505.
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