EMI vs SIP for ₹3,000,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 26,016
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 22,754
Monthly Savings
₹ 3,262
SIP Investment
@ 12% for 21 years
₹ 3,714,457
Extra Interest Paid
₹ 738,928
Final Outcome
₹ 2,975,529
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹3,714,457.
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