EMI vs SIP for ₹5,200,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 65,033

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 48,641

Monthly Savings

₹ 16,392

SIP Investment

@ 12% for 14 years

₹ 7,153,680

Extra Interest Paid

₹ 1,148,134

Final Outcome

₹ 6,005,546

Profit from SIP strategy

Analysis

For ₹5,200,000 loan at 7%, investing savings can generate ₹7,153,680.

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