EMI vs SIP for ₹5,000,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 38,765
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 35,339
Monthly Savings
₹ 3,426
SIP Investment
@ 12% for 25 years
₹ 6,501,273
Extra Interest Paid
₹ 1,298,101
Final Outcome
₹ 5,203,172
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,501,273.
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