EMI vs SIP for ₹3,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 30,858
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 30,466
Monthly Savings
₹ 392
SIP Investment
@ 12% for 35 years
₹ 2,545,395
Extra Interest Paid
₹ 1,686,911
Final Outcome
₹ 858,484
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,545,395.
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