EMI vs SIP for ₹5,000,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 44,941
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 38,765
Monthly Savings
₹ 6,176
SIP Investment
@ 12% for 20 years
₹ 6,171,204
Extra Interest Paid
₹ 1,214,133
Final Outcome
₹ 4,957,071
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,171,204.
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