EMI vs SIP for ₹5,000,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 48,251
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 45,435
Monthly Savings
₹ 2,816
SIP Investment
@ 12% for 25 years
₹ 5,343,826
Extra Interest Paid
₹ 2,050,251
Final Outcome
₹ 3,293,574
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 10%, investing savings can generate ₹5,343,826.
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