EMI vs SIP for ₹3,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 33,959
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 32,057
Monthly Savings
₹ 1,902
SIP Investment
@ 12% for 23 years
₹ 2,801,114
Extra Interest Paid
₹ 1,512,679
Final Outcome
₹ 1,288,435
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,801,114.
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