EMI vs SIP for ₹3,000,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 43,041
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 36,005
Monthly Savings
₹ 7,036
SIP Investment
@ 12% for 15 years
₹ 3,550,319
Extra Interest Paid
₹ 1,315,953
Final Outcome
₹ 2,234,366
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹3,550,319.
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