EMI vs SIP for ₹5,000,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 60,008
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 55,054
Monthly Savings
₹ 4,954
SIP Investment
@ 12% for 20 years
₹ 4,949,875
Extra Interest Paid
₹ 2,411,521
Final Outcome
₹ 2,538,354
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,949,875.
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