EMI vs SIP for ₹3,000,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 20,905
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 19,772
Monthly Savings
₹ 1,133
SIP Investment
@ 12% for 31 years
₹ 4,522,547
Extra Interest Paid
₹ 832,699
Final Outcome
₹ 3,689,848
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹4,522,547.
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