EMI vs SIP for ₹3,000,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 24,465
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 21,898
Monthly Savings
₹ 2,567
SIP Investment
@ 12% for 23 years
₹ 3,782,058
Extra Interest Paid
₹ 759,277
Final Outcome
₹ 3,022,781
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹3,782,058.
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