EMI vs SIP for ₹3,000,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 29,995
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 27,815
Monthly Savings
₹ 2,180
SIP Investment
@ 12% for 23 years
₹ 3,211,060
Extra Interest Paid
₹ 1,198,077
Final Outcome
₹ 2,012,983
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 10%, investing savings can generate ₹3,211,060.
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