EMI vs SIP for ₹5,600,000

10 Years @ 10%

Original Plan

10 Years @ 10%

EMI: ₹ 74,004

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 60,178

Monthly Savings

₹ 13,827

SIP Investment

@ 12% for 15 years

₹ 6,976,533

Extra Interest Paid

₹ 1,951,490

Final Outcome

₹ 5,025,043

Profit from SIP strategy

Analysis

For ₹5,600,000 loan at 10%, investing savings can generate ₹6,976,533.

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