EMI vs SIP for ₹5,000,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 34,842
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 32,953
Monthly Savings
₹ 1,889
SIP Investment
@ 12% for 31 years
₹ 7,537,578
Extra Interest Paid
₹ 1,387,832
Final Outcome
₹ 6,149,746
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹7,537,578.
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