EMI vs SIP for ₹3,000,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 52,958
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 39,403
Monthly Savings
₹ 13,556
SIP Investment
@ 12% for 12 years
₹ 4,368,329
Extra Interest Paid
₹ 1,225,482
Final Outcome
₹ 3,142,847
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹4,368,329.
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