EMI vs SIP for ₹5,100,000

12 Years @ 7%

Original Plan

12 Years @ 7%

EMI: ₹ 52,447

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 42,823

Monthly Savings

₹ 9,625

SIP Investment

@ 12% for 17 years

₹ 6,428,566

Extra Interest Paid

₹ 1,183,399

Final Outcome

₹ 5,245,167

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 7%, investing savings can generate ₹6,428,566.

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