EMI vs SIP for ₹3,000,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 39,403
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 34,536
Monthly Savings
₹ 4,866
SIP Investment
@ 12% for 17 years
₹ 3,250,175
Extra Interest Paid
₹ 1,371,468
Final Outcome
₹ 1,878,707
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹3,250,175.
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