EMI vs SIP for ₹5,000,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 37,924
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 34,842
Monthly Savings
₹ 3,082
SIP Investment
@ 12% for 26 years
₹ 6,629,098
Extra Interest Paid
₹ 1,313,922
Final Outcome
₹ 5,315,176
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,629,098.
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