EMI vs SIP for ₹5,000,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 49,226
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 44,229
Monthly Savings
₹ 4,997
SIP Investment
@ 12% for 21 years
₹ 5,689,660
Extra Interest Paid
₹ 1,694,369
Final Outcome
₹ 3,995,292
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 9%, investing savings can generate ₹5,689,660.
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