EMI vs SIP for ₹5,100,000

14 Years @ 7%

Original Plan

14 Years @ 7%

EMI: ₹ 47,705

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 40,504

Monthly Savings

₹ 7,202

SIP Investment

@ 12% for 19 years

₹ 6,303,758

Extra Interest Paid

₹ 1,220,357

Final Outcome

₹ 5,083,401

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 7%, investing savings can generate ₹6,303,758.

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