EMI vs SIP for ₹3,000,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 25,093
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 23,154
Monthly Savings
₹ 1,939
SIP Investment
@ 12% for 25 years
₹ 3,678,975
Extra Interest Paid
₹ 923,977
Final Outcome
₹ 2,754,997
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,678,975.
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