EMI vs SIP for ₹3,000,000

25 Years @ 10%

Original Plan

25 Years @ 10%

EMI: ₹ 27,261

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 26,327

Monthly Savings

₹ 934

SIP Investment

@ 12% for 30 years

₹ 3,296,499

Extra Interest Paid

₹ 1,299,466

Final Outcome

₹ 1,997,033

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 10%, investing savings can generate ₹3,296,499.

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₹54L Loan for 7 years at 11% vs SIP ₹41L Loan for 23 years at 11% vs SIP ₹35L Loan for 12 years at 12% vs SIP ₹19L Loan for 13 years at 12% vs SIP ₹67L Loan for 24 years at 9% vs SIP ₹50L Loan for 8 years at 7% vs SIP
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