EMI vs SIP for ₹3,000,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 36,398
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 28,670
Monthly Savings
₹ 7,729
SIP Investment
@ 12% for 15 years
₹ 3,899,724
Extra Interest Paid
₹ 792,728
Final Outcome
₹ 3,106,997
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,899,724.
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