Should you buy this?
We’ll show you what each option really costs, what you’ll still have at the end, and how it impacts your monthly lifestyle.
Your situation
₹12,00,000 • 12 L
₹2,50,000 • 2.5 L
₹1,00,000 • 1 L
If you take a loan
If you use FD overdraft
If your investments pay the EMI
You keep your investments growing, but interest makes this around ₹13,43,387 over 5 years.
What each option really costs you
Lower bars = you keep more of your money over 5 years.
You'll have less buffer for surprises. Make sure other goals can wait.
Compare the thinking behind each option
Many people already lean one way. Here’s the belief each strategy is built on, so you can see why your preferred option ranks where it does.
Bank loan (cash stays invested)
Lowest estimated costYou keep your investments growing, but interest makes this around ₹13,43,387 over 5 years.
FD-backed overdraft
Lower interest than a regular loan, but the overall cost still comes to about ₹9,93,451 over 5 years.
Pay outright from cash
No EMI, but you give up future growth on this money. That's a hidden cost of around ₹12,00,000.
MF SWP funds the EMI
Your investments fund the EMI, but they may not last the full 5 years on these inputs.
Results are estimates based on your inputs and assumptions. FynSy provides financial simulations for educational purposes and does not provide financial, investment, tax, or lending advice.