EMI vs SIP for ₹5,000,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 75,921

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 61,571

Monthly Savings

₹ 14,350

SIP Investment

@ 12% for 14 years

₹ 6,262,461

Extra Interest Paid

₹ 2,144,522

Final Outcome

₹ 4,117,938

Profit from SIP strategy

Analysis

For ₹5,000,000 loan at 12%, investing savings can generate ₹6,262,461.

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