EMI vs SIP for ₹3,000,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 23,154
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 22,013
Monthly Savings
₹ 1,142
SIP Investment
@ 12% for 30 years
₹ 4,029,571
Extra Interest Paid
₹ 978,311
Final Outcome
₹ 3,051,259
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,029,571.
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