EMI vs SIP for ₹3,000,000

24 Years @ 9%

Original Plan

24 Years @ 9%

EMI: ₹ 25,460

Extended Plan

29 Years (Reduced EMI)

EMI: ₹ 24,305

Monthly Savings

₹ 1,155

SIP Investment

@ 12% for 29 years

₹ 3,605,677

Extra Interest Paid

₹ 1,125,585

Final Outcome

₹ 2,480,091

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 9%, investing savings can generate ₹3,605,677.

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