EMI vs SIP for ₹3,000,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 28,670
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 25,093
Monthly Savings
₹ 3,576
SIP Investment
@ 12% for 20 years
₹ 3,573,313
Extra Interest Paid
₹ 861,847
Final Outcome
₹ 2,711,466
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,573,313.
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