EMI vs SIP for ₹5,900,000

24 Years @ 10%

Original Plan

24 Years @ 10%

EMI: ₹ 54,126

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 52,066

Monthly Savings

₹ 2,060

SIP Investment

@ 12% for 29 years

₹ 6,429,117

Extra Interest Paid

₹ 2,530,750

Final Outcome

₹ 3,898,367

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 10%, investing savings can generate ₹6,429,117.

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