EMI vs SIP for ₹3,000,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 23,259
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 21,203
Monthly Savings
₹ 2,056
SIP Investment
@ 12% for 25 years
₹ 3,900,764
Extra Interest Paid
₹ 778,860
Final Outcome
₹ 3,121,903
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹3,900,764.
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