EMI vs SIP for ₹3,000,000
20 Years @ 11%
Original Plan
20 Years @ 11%
EMI: ₹ 30,966
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 29,403
Monthly Savings
₹ 1,562
SIP Investment
@ 12% for 25 years
₹ 2,964,598
Extra Interest Paid
₹ 1,389,261
Final Outcome
₹ 1,575,337
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 11%, investing savings can generate ₹2,964,598.
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