EMI vs SIP for ₹5,300,000

30 Years @ 12%

Original Plan

30 Years @ 12%

EMI: ₹ 54,516

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 53,824

Monthly Savings

₹ 692

SIP Investment

@ 12% for 35 years

₹ 4,496,865

Extra Interest Paid

₹ 2,980,210

Final Outcome

₹ 1,516,656

Profit from SIP strategy

Analysis

For ₹5,300,000 loan at 12%, investing savings can generate ₹4,496,865.

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