EMI vs SIP for ₹3,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 33,033
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 31,597
Monthly Savings
₹ 1,436
SIP Investment
@ 12% for 25 years
₹ 2,724,738
Extra Interest Paid
₹ 1,551,197
Final Outcome
₹ 1,173,541
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,724,738.
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