EMI vs SIP for ₹3,000,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 22,628
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 21,691
Monthly Savings
₹ 937
SIP Investment
@ 12% for 32 years
₹ 4,226,393
Extra Interest Paid
₹ 997,795
Final Outcome
₹ 3,228,598
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,226,393.
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