EMI vs SIP for ₹3,000,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 27,748
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 24,613
Monthly Savings
₹ 3,135
SIP Investment
@ 12% for 21 years
₹ 3,569,644
Extra Interest Paid
₹ 874,867
Final Outcome
₹ 2,694,776
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,569,644.
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