EMI vs SIP for ₹5,900,000

21 Years @ 7%

Original Plan

21 Years @ 7%

EMI: ₹ 44,750

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 41,113

Monthly Savings

₹ 3,636

SIP Investment

@ 12% for 26 years

₹ 7,822,336

Extra Interest Paid

₹ 1,550,428

Final Outcome

₹ 6,271,907

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 7%, investing savings can generate ₹7,822,336.

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