EMI vs SIP for ₹3,000,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 34,536
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 32,338
Monthly Savings
₹ 2,198
SIP Investment
@ 12% for 22 years
₹ 2,848,788
Extra Interest Paid
₹ 1,491,833
Final Outcome
₹ 1,356,955
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,848,788.
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