EMI vs SIP for ₹5,700,000

28 Years @ 12%

Original Plan

28 Years @ 12%

EMI: ₹ 59,087

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 58,130

Monthly Savings

₹ 957

SIP Investment

@ 12% for 33 years

₹ 4,873,867

Extra Interest Paid

₹ 3,166,329

Final Outcome

₹ 1,707,538

Profit from SIP strategy

Analysis

For ₹5,700,000 loan at 12%, investing savings can generate ₹4,873,867.

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