EMI vs SIP for ₹5,400,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 57,703
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 55,977
Monthly Savings
₹ 1,725
SIP Investment
@ 12% for 28 years
₹ 4,759,670
Extra Interest Paid
₹ 2,882,415
Final Outcome
₹ 1,877,255
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 12%, investing savings can generate ₹4,759,670.
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