EMI vs SIP for ₹3,000,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 30,971
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 30,527
Monthly Savings
₹ 444
SIP Investment
@ 12% for 34 years
₹ 2,554,666
Extra Interest Paid
₹ 1,677,066
Final Outcome
₹ 877,600
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,554,666.
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