EMI vs SIP for ₹5,400,000

26 Years @ 10%

Original Plan

26 Years @ 10%

EMI: ₹ 48,653

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 47,152

Monthly Savings

₹ 1,501

SIP Investment

@ 12% for 31 years

₹ 5,990,206

Extra Interest Paid

₹ 2,360,737

Final Outcome

₹ 3,629,470

Profit from SIP strategy

Analysis

For ₹5,400,000 loan at 10%, investing savings can generate ₹5,990,206.

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