EMI vs SIP for ₹3,000,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 32,338
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 31,243
Monthly Savings
₹ 1,095
SIP Investment
@ 12% for 27 years
₹ 2,667,457
Extra Interest Paid
₹ 1,585,611
Final Outcome
₹ 1,081,845
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,667,457.
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