EMI vs SIP for ₹5,100,000

18 Years @ 7%

Original Plan

18 Years @ 7%

EMI: ₹ 41,591

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 37,226

Monthly Savings

₹ 4,365

SIP Investment

@ 12% for 23 years

₹ 6,429,498

Extra Interest Paid

₹ 1,290,771

Final Outcome

₹ 5,138,727

Profit from SIP strategy

Analysis

For ₹5,100,000 loan at 7%, investing savings can generate ₹6,429,498.

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