EMI vs SIP for ₹5,000,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 57,561
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 53,897
Monthly Savings
₹ 3,664
SIP Investment
@ 12% for 22 years
₹ 4,747,979
Extra Interest Paid
₹ 2,486,388
Final Outcome
₹ 2,261,591
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,747,979.
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