EMI vs SIP for ₹3,000,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 24,613
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 22,878
Monthly Savings
₹ 1,735
SIP Investment
@ 12% for 26 years
₹ 3,731,954
Extra Interest Paid
₹ 935,483
Final Outcome
₹ 2,796,471
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,731,954.
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