EMI vs SIP for ₹3,000,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 31,597
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 30,858
Monthly Savings
₹ 738
SIP Investment
@ 12% for 30 years
₹ 2,606,299
Extra Interest Paid
₹ 1,629,999
Final Outcome
₹ 976,300
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,606,299.
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