EMI vs SIP for ₹3,000,000

15 Years @ 11%

Original Plan

15 Years @ 11%

EMI: ₹ 34,098

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 30,966

Monthly Savings

₹ 3,132

SIP Investment

@ 12% for 20 years

₹ 3,129,587

Extra Interest Paid

₹ 1,294,133

Final Outcome

₹ 1,835,454

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 11%, investing savings can generate ₹3,129,587.

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