EMI vs SIP for ₹3,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 31,409
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 30,759
Monthly Savings
₹ 649
SIP Investment
@ 12% for 31 years
₹ 2,590,779
Extra Interest Paid
₹ 1,642,993
Final Outcome
₹ 947,787
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,590,779.
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