EMI vs SIP for ₹5,000,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 43,360
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 37,924
Monthly Savings
₹ 5,437
SIP Investment
@ 12% for 21 years
₹ 6,190,761
Extra Interest Paid
₹ 1,231,547
Final Outcome
₹ 4,959,215
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,190,761.
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