EMI vs SIP for ₹3,000,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 31,243
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 30,672
Monthly Savings
₹ 572
SIP Investment
@ 12% for 32 years
₹ 2,577,160
Extra Interest Paid
₹ 1,655,144
Final Outcome
₹ 922,016
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,577,160.
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