EMI vs SIP for ₹3,000,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 26,249
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 23,804
Monthly Savings
₹ 2,445
SIP Investment
@ 12% for 23 years
₹ 3,602,069
Extra Interest Paid
₹ 900,030
Final Outcome
₹ 2,702,039
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹3,602,069.
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