EMI vs SIP for ₹5,000,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 53,428
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 51,831
Monthly Savings
₹ 1,598
SIP Investment
@ 12% for 28 years
₹ 4,407,102
Extra Interest Paid
₹ 2,668,903
Final Outcome
₹ 1,738,199
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,407,102.
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