EMI vs SIP for ₹5,000,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 36,496
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 33,980
Monthly Savings
₹ 2,516
SIP Investment
@ 12% for 28 years
₹ 6,939,304
Extra Interest Paid
₹ 1,344,539
Final Outcome
₹ 5,594,764
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,939,304.
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