EMI vs SIP for ₹3,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 35,212
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 32,661
Monthly Savings
₹ 2,551
SIP Investment
@ 12% for 21 years
₹ 2,904,490
Extra Interest Paid
₹ 1,469,913
Final Outcome
₹ 1,434,577
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,904,490.
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