EMI vs SIP for ₹5,000,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 53,019
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 51,618
Monthly Savings
₹ 1,401
SIP Investment
@ 12% for 29 years
₹ 4,373,352
Extra Interest Paid
₹ 2,693,544
Final Outcome
₹ 1,679,808
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,373,352.
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