EMI vs SIP for ₹3,000,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 22,754
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 20,905
Monthly Savings
₹ 1,849
SIP Investment
@ 12% for 26 years
₹ 3,977,459
Extra Interest Paid
₹ 788,353
Final Outcome
₹ 3,189,105
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹3,977,459.
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