EMI vs SIP for ₹3,000,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 33,462
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 31,811
Monthly Savings
₹ 1,650
SIP Investment
@ 12% for 24 years
₹ 2,760,123
Extra Interest Paid
₹ 1,532,462
Final Outcome
₹ 1,227,662
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,760,123.
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