EMI vs SIP for ₹5,300,000

7 Years @ 7%

Original Plan

7 Years @ 7%

EMI: ₹ 79,991

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 54,504

Monthly Savings

₹ 25,487

SIP Investment

@ 12% for 12 years

₹ 8,213,243

Extra Interest Paid

₹ 1,129,343

Final Outcome

₹ 7,083,900

Profit from SIP strategy

Analysis

For ₹5,300,000 loan at 7%, investing savings can generate ₹8,213,243.

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