EMI vs SIP for ₹5,300,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 86,140
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 67,239
Monthly Savings
₹ 18,901
SIP Investment
@ 12% for 13 years
₹ 7,105,381
Extra Interest Paid
₹ 2,219,887
Final Outcome
₹ 4,885,494
Profit from SIP strategy
Analysis
For ₹5,300,000 loan at 12%, investing savings can generate ₹7,105,381.
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