EMI vs SIP for ₹5,500,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 62,257
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 58,771
Monthly Savings
₹ 3,486
SIP Investment
@ 12% for 23 years
₹ 5,135,376
Extra Interest Paid
₹ 2,773,244
Final Outcome
₹ 2,362,132
Profit from SIP strategy
Analysis
For ₹5,500,000 loan at 12%, investing savings can generate ₹5,135,376.
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