EMI vs SIP for ₹3,000,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 22,013
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 21,308
Monthly Savings
₹ 705
SIP Investment
@ 12% for 35 years
₹ 4,579,885
Extra Interest Paid
₹ 1,024,630
Final Outcome
₹ 3,555,255
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,579,885.
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