EMI vs SIP for ₹5,600,000

27 Years @ 12%

Original Plan

27 Years @ 12%

EMI: ₹ 58,321

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 57,254

Monthly Savings

₹ 1,067

SIP Investment

@ 12% for 32 years

₹ 4,810,699

Extra Interest Paid

₹ 3,089,602

Final Outcome

₹ 1,721,097

Profit from SIP strategy

Analysis

For ₹5,600,000 loan at 12%, investing savings can generate ₹4,810,699.

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₹29L Loan for 20 years at 11% vs SIP ₹67L Loan for 19 years at 7% vs SIP ₹26L Loan for 28 years at 9% vs SIP ₹42L Loan for 12 years at 8% vs SIP ₹63L Loan for 15 years at 7% vs SIP ₹18L Loan for 5 years at 12% vs SIP
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