EMI vs SIP for ₹3,000,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 34,246
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 27,748
Monthly Savings
₹ 6,499
SIP Investment
@ 12% for 16 years
₹ 3,778,138
Extra Interest Paid
₹ 807,051
Final Outcome
₹ 2,971,087
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,778,138.
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