EMI vs SIP for ₹5,000,000
16 Years @ 10%
Original Plan
16 Years @ 10%
EMI: ₹ 52,295
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 47,539
Monthly Savings
₹ 4,756
SIP Investment
@ 12% for 21 years
₹ 5,415,644
Extra Interest Paid
₹ 1,939,170
Final Outcome
₹ 3,476,474
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 10%, investing savings can generate ₹5,415,644.
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