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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