See your loan's EMI and total interest — then the monthly SIP that could recover that interest, or your entire repayment, over the same tenure.
On a ₹10,00,000 loan at 10.00% p.a. over 5 years.
Invest this every month at 12.0% p.a. and you will accumulate approximately ₹2,74,823 — equal to all the interest paid on your loan — by the end of 5 years.
Invest this every month at 12.0% p.a. and you will accumulate approximately ₹12,74,823 — equal to your entire EMI outgo, principal and interest combined — by the end of 5 years.
SIP returns are an assumption, not a guarantee. Actual returns depend on market performance, fund expenses, taxes, and investment behaviour. This comparison is a planning heuristic — not a recommendation to borrow or invest.
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