EMI vs SIP for ₹3,000,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 28,951
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 27,261
Monthly Savings
₹ 1,690
SIP Investment
@ 12% for 25 years
₹ 3,206,295
Extra Interest Paid
₹ 1,230,151
Final Outcome
₹ 1,976,145
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 10%, investing savings can generate ₹3,206,295.
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