EMI vs SIP for ₹3,000,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 30,428
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 26,992
Monthly Savings
₹ 3,436
SIP Investment
@ 12% for 20 years
₹ 3,433,291
Extra Interest Paid
₹ 1,000,987
Final Outcome
₹ 2,432,304
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 9%, investing savings can generate ₹3,433,291.
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