EMI vs SIP for ₹3,000,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 30,992
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 26,249
Monthly Savings
₹ 4,743
SIP Investment
@ 12% for 18 years
₹ 3,630,737
Extra Interest Paid
₹ 834,972
Final Outcome
₹ 2,795,765
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,630,737.
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