EMI vs SIP for ₹5,800,000

19 Years @ 9%

Original Plan

19 Years @ 9%

EMI: ₹ 53,180

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 49,223

Monthly Savings

₹ 3,957

SIP Investment

@ 12% for 24 years

₹ 6,619,629

Extra Interest Paid

₹ 2,051,046

Final Outcome

₹ 4,568,583

Profit from SIP strategy

Analysis

For ₹5,800,000 loan at 9%, investing savings can generate ₹6,619,629.

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