EMI vs SIP for ₹3,000,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 21,898
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 20,388
Monthly Savings
₹ 1,509
SIP Investment
@ 12% for 28 years
₹ 4,163,582
Extra Interest Paid
₹ 806,724
Final Outcome
₹ 3,356,858
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹4,163,582.
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