EMI vs SIP for ₹5,000,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 53,897
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 52,072
Monthly Savings
₹ 1,824
SIP Investment
@ 12% for 27 years
₹ 4,445,761
Extra Interest Paid
₹ 2,642,686
Final Outcome
₹ 1,803,075
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,445,761.
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