EMI vs SIP for ₹3,000,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 23,804
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 22,403
Monthly Savings
₹ 1,401
SIP Investment
@ 12% for 28 years
₹ 3,864,276
Extra Interest Paid
₹ 957,540
Final Outcome
₹ 2,906,736
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,864,276.
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