EMI vs SIP for ₹5,300,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 63,609
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 58,358
Monthly Savings
₹ 5,251
SIP Investment
@ 12% for 20 years
₹ 5,246,868
Extra Interest Paid
₹ 2,556,212
Final Outcome
₹ 2,690,655
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 12%, investing savings can generate ₹5,246,868.
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