EMI vs SIP for ₹5,400,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 56,535
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 55,367
Monthly Savings
₹ 1,169
SIP Investment
@ 12% for 31 years
₹ 4,663,402
Extra Interest Paid
₹ 2,957,387
Final Outcome
₹ 1,706,016
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 12%, investing savings can generate ₹4,663,402.
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