EMI vs SIP for ₹3,000,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 41,034
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 35,212
Monthly Savings
₹ 5,822
SIP Investment
@ 12% for 16 years
₹ 3,384,716
Extra Interest Paid
₹ 1,344,217
Final Outcome
₹ 2,040,499
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹3,384,716.
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