EMI vs SIP for ₹5,000,000

8 Years @ 11%

Original Plan

8 Years @ 11%

EMI: ₹ 78,542

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 60,376

Monthly Savings

₹ 18,166

SIP Investment

@ 12% for 13 years

₹ 6,829,075

Extra Interest Paid

₹ 1,878,669

Final Outcome

₹ 4,950,406

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 11%, investing savings can generate ₹6,829,075.

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₹84L Loan for 28 years at 11% vs SIP ₹90L Loan for 15 years at 9% vs SIP ₹31L Loan for 19 years at 12% vs SIP ₹7L Loan for 22 years at 10% vs SIP ₹10L Loan for 29 years at 12% vs SIP ₹14L Loan for 11 years at 10% vs SIP
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