EMI vs SIP for ₹5,000,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 97,751
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 68,389
Monthly Savings
₹ 29,362
SIP Investment
@ 12% for 11 years
₹ 8,063,122
Extra Interest Paid
₹ 1,989,331
Final Outcome
₹ 6,073,791
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 12%, investing savings can generate ₹8,063,122.
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