EMI vs SIP for ₹3,000,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 32,238
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 28,951
Monthly Savings
₹ 3,288
SIP Investment
@ 12% for 20 years
₹ 3,284,703
Extra Interest Paid
₹ 1,145,288
Final Outcome
₹ 2,139,415
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 10%, investing savings can generate ₹3,284,703.
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