EMI vs SIP for ₹3,000,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 31,811
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 30,971
Monthly Savings
₹ 841
SIP Investment
@ 12% for 29 years
₹ 2,624,011
Extra Interest Paid
₹ 1,616,127
Final Outcome
₹ 1,007,885
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,624,011.
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