EMI vs SIP for ₹3,000,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 32,474
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 26,948
Monthly Savings
₹ 5,526
SIP Investment
@ 12% for 17 years
₹ 3,690,845
Extra Interest Paid
₹ 821,137
Final Outcome
₹ 2,869,708
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,690,845.
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