EMI vs SIP for ₹5,500,000

7 Years @ 10%

Original Plan

7 Years @ 10%

EMI: ₹ 91,307

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 65,729

Monthly Savings

₹ 25,577

SIP Investment

@ 12% for 12 years

₹ 8,242,311

Extra Interest Paid

₹ 1,795,273

Final Outcome

₹ 6,447,038

Profit from SIP strategy

Analysis

For ₹5,500,000 loan at 10%, investing savings can generate ₹8,242,311.

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