EMI vs SIP for ₹3,000,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 46,759
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 32,474
Monthly Savings
₹ 14,285
SIP Investment
@ 12% for 12 years
₹ 4,603,393
Extra Interest Paid
₹ 748,469
Final Outcome
₹ 3,854,924
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,603,393.
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