EMI vs SIP for ₹5,200,000

13 Years @ 7%

Original Plan

13 Years @ 7%

EMI: ₹ 50,860

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 42,406

Monthly Savings

₹ 8,454

SIP Investment

@ 12% for 18 years

₹ 6,470,826

Extra Interest Paid

₹ 1,225,583

Final Outcome

₹ 5,245,243

Profit from SIP strategy

Analysis

For ₹5,200,000 loan at 7%, investing savings can generate ₹6,470,826.

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₹52L Loan for 16 years at 11% vs SIP ₹87L Loan for 23 years at 7% vs SIP ₹76L Loan for 6 years at 12% vs SIP ₹83L Loan for 20 years at 10% vs SIP ₹95L Loan for 21 years at 10% vs SIP ₹28L Loan for 13 years at 12% vs SIP
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