EMI vs SIP for ₹3,000,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 66,733
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 43,041
Monthly Savings
₹ 23,692
SIP Investment
@ 12% for 10 years
₹ 5,504,591
Extra Interest Paid
₹ 1,160,954
Final Outcome
₹ 4,343,637
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹5,504,591.
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