EMI vs SIP for ₹3,000,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 32,661
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 31,409
Monthly Savings
₹ 1,252
SIP Investment
@ 12% for 26 years
₹ 2,694,086
Extra Interest Paid
₹ 1,568,906
Final Outcome
₹ 1,125,181
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,694,086.
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