EMI vs SIP for ₹3,000,000
6 Years @ 8%
Original Plan
6 Years @ 8%
EMI: ₹ 52,600
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 34,246
Monthly Savings
₹ 18,353
SIP Investment
@ 12% for 11 years
₹ 5,040,110
Extra Interest Paid
₹ 733,337
Final Outcome
₹ 4,306,773
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹5,040,110.
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