EMI vs SIP for ₹5,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 51,431
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 50,777
Monthly Savings
₹ 653
SIP Investment
@ 12% for 35 years
₹ 4,242,326
Extra Interest Paid
₹ 2,811,519
Final Outcome
₹ 1,430,807
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹4,242,326.
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