EMI vs SIP for ₹3,000,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 23,462
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 22,198
Monthly Savings
₹ 1,263
SIP Investment
@ 12% for 29 years
₹ 3,942,919
Extra Interest Paid
₹ 968,087
Final Outcome
₹ 2,974,832
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,942,919.
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