EMI vs SIP for ₹5,800,000

28 Years @ 12%

Original Plan

28 Years @ 12%

EMI: ₹ 60,124

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 59,150

Monthly Savings

₹ 974

SIP Investment

@ 12% for 33 years

₹ 4,959,373

Extra Interest Paid

₹ 3,221,879

Final Outcome

₹ 1,737,495

Profit from SIP strategy

Analysis

For ₹5,800,000 loan at 12%, investing savings can generate ₹4,959,373.

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