EMI vs SIP for ₹5,800,000

17 Years @ 7%

Original Plan

17 Years @ 7%

EMI: ₹ 48,700

Extended Plan

22 Years (Reduced EMI)

EMI: ₹ 43,119

Monthly Savings

₹ 5,582

SIP Investment

@ 12% for 22 years

₹ 7,233,328

Extra Interest Paid

₹ 1,448,445

Final Outcome

₹ 5,784,883

Profit from SIP strategy

Analysis

For ₹5,800,000 loan at 7%, investing savings can generate ₹7,233,328.

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