EMI vs SIP for ₹5,000,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 52,661
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 51,431
Monthly Savings
₹ 1,231
SIP Investment
@ 12% for 30 years
₹ 4,343,832
Extra Interest Paid
₹ 2,716,665
Final Outcome
₹ 1,627,167
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,343,832.
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