EMI vs SIP for ₹5,300,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 55,488

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 54,341

Monthly Savings

₹ 1,147

SIP Investment

@ 12% for 31 years

₹ 4,577,043

Extra Interest Paid

₹ 2,902,620

Final Outcome

₹ 1,674,423

Profit from SIP strategy

Analysis

For ₹5,300,000 loan at 12%, investing savings can generate ₹4,577,043.

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