EMI vs SIP for ₹5,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 56,598
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 53,428
Monthly Savings
₹ 3,169
SIP Investment
@ 12% for 23 years
₹ 4,668,524
Extra Interest Paid
₹ 2,521,131
Final Outcome
₹ 2,147,392
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,668,524.
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