EMI vs SIP for ₹5,300,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 80,476

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 65,266

Monthly Savings

₹ 15,211

SIP Investment

@ 12% for 14 years

₹ 6,638,209

Extra Interest Paid

₹ 2,273,194

Final Outcome

₹ 4,365,015

Profit from SIP strategy

Analysis

For ₹5,300,000 loan at 12%, investing savings can generate ₹6,638,209.

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