EMI vs SIP for ₹3,000,000

30 Years @ 9%

Original Plan

30 Years @ 9%

EMI: ₹ 24,139

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 23,520

Monthly Savings

₹ 619

SIP Investment

@ 12% for 35 years

₹ 4,019,853

Extra Interest Paid

₹ 1,188,387

Final Outcome

₹ 2,831,465

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 9%, investing savings can generate ₹4,019,853.

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