EMI vs SIP for ₹5,000,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 46,822
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 42,963
Monthly Savings
₹ 3,859
SIP Investment
@ 12% for 23 years
₹ 5,684,284
Extra Interest Paid
₹ 1,744,296
Final Outcome
₹ 3,939,988
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 9%, investing savings can generate ₹5,684,284.
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