EMI vs SIP for ₹3,000,000
25 Years @ 7%
Original Plan
25 Years @ 7%
EMI: ₹ 21,203
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 19,959
Monthly Savings
₹ 1,244
SIP Investment
@ 12% for 30 years
₹ 4,392,275
Extra Interest Paid
₹ 824,254
Final Outcome
₹ 3,568,021
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹4,392,275.
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