EMI vs SIP for ₹5,200,000

25 Years @ 7%

Original Plan

25 Years @ 7%

EMI: ₹ 36,753

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 34,596

Monthly Savings

₹ 2,157

SIP Investment

@ 12% for 30 years

₹ 7,613,277

Extra Interest Paid

₹ 1,428,707

Final Outcome

₹ 6,184,570

Profit from SIP strategy

Analysis

For ₹5,200,000 loan at 7%, investing savings can generate ₹7,613,277.

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