EMI vs SIP for ₹5,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 58,686
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 54,435
Monthly Savings
₹ 4,251
SIP Investment
@ 12% for 21 years
₹ 4,840,816
Extra Interest Paid
₹ 2,449,854
Final Outcome
₹ 2,390,962
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,840,816.
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