EMI vs SIP for ₹3,000,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 29,535
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 26,537
Monthly Savings
₹ 2,998
SIP Investment
@ 12% for 21 years
₹ 3,413,796
Extra Interest Paid
₹ 1,016,621
Final Outcome
₹ 2,397,175
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 9%, investing savings can generate ₹3,413,796.
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