EMI vs SIP for ₹5,200,000

20 Years @ 11%

Original Plan

20 Years @ 11%

EMI: ₹ 53,674

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 50,966

Monthly Savings

₹ 2,708

SIP Investment

@ 12% for 25 years

₹ 5,138,637

Extra Interest Paid

₹ 2,408,053

Final Outcome

₹ 2,730,584

Profit from SIP strategy

Analysis

For ₹5,200,000 loan at 11%, investing savings can generate ₹5,138,637.

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