EMI vs SIP for ₹3,000,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 48,759
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 38,060
Monthly Savings
₹ 10,699
SIP Investment
@ 12% for 13 years
₹ 4,021,914
Extra Interest Paid
₹ 1,256,540
Final Outcome
₹ 2,765,374
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹4,021,914.
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