EMI vs SIP for ₹5,400,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 55,545
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 54,840
Monthly Savings
₹ 705
SIP Investment
@ 12% for 35 years
₹ 4,581,712
Extra Interest Paid
₹ 3,036,440
Final Outcome
₹ 1,545,272
Profit from SIP strategy
Analysis
For ₹5,400,000 loan at 12%, investing savings can generate ₹4,581,712.
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