EMI vs SIP for ₹5,900,000

30 Years @ 11%

Original Plan

30 Years @ 11%

EMI: ₹ 56,187

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 55,281

Monthly Savings

₹ 907

SIP Investment

@ 12% for 35 years

₹ 5,888,473

Extra Interest Paid

₹ 2,990,462

Final Outcome

₹ 2,898,011

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 11%, investing savings can generate ₹5,888,473.

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