EMI vs SIP for ₹3,000,000

11 Years @ 7%

Original Plan

11 Years @ 7%

EMI: ₹ 32,652

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 26,016

Monthly Savings

₹ 6,636

SIP Investment

@ 12% for 16 years

₹ 3,858,062

Extra Interest Paid

₹ 685,014

Final Outcome

₹ 3,173,048

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 7%, investing savings can generate ₹3,858,062.

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