EMI vs SIP for ₹5,900,000

26 Years @ 12%

Original Plan

26 Years @ 12%

EMI: ₹ 61,770

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 60,493

Monthly Savings

₹ 1,277

SIP Investment

@ 12% for 31 years

₹ 5,095,199

Extra Interest Paid

₹ 3,231,219

Final Outcome

₹ 1,863,980

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 12%, investing savings can generate ₹5,095,199.

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₹45L Loan for 18 years at 12% vs SIP ₹41L Loan for 27 years at 7% vs SIP ₹42L Loan for 13 years at 11% vs SIP ₹66L Loan for 17 years at 9% vs SIP ₹57L Loan for 19 years at 12% vs SIP ₹57L Loan for 30 years at 12% vs SIP
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