EMI vs SIP for ₹5,300,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 56,634
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 54,940
Monthly Savings
₹ 1,693
SIP Investment
@ 12% for 28 years
₹ 4,671,528
Extra Interest Paid
₹ 2,829,037
Final Outcome
₹ 1,842,491
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 12%, investing savings can generate ₹4,671,528.
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