EMI vs SIP for ₹3,000,000

9 Years @ 9%

Original Plan

9 Years @ 9%

EMI: ₹ 40,629

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 31,468

Monthly Savings

₹ 9,161

SIP Investment

@ 12% for 14 years

₹ 3,997,851

Extra Interest Paid

₹ 898,743

Final Outcome

₹ 3,099,108

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 9%, investing savings can generate ₹3,997,851.

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