EMI vs SIP for ₹3,000,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 22,403
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 21,551
Monthly Savings
₹ 851
SIP Investment
@ 12% for 33 years
₹ 4,336,447
Extra Interest Paid
₹ 1,007,056
Final Outcome
₹ 3,329,390
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,336,447.
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