EMI vs SIP for ₹3,000,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 22,303
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 20,634
Monthly Savings
₹ 1,668
SIP Investment
@ 12% for 27 years
₹ 4,065,146
Extra Interest Paid
₹ 797,642
Final Outcome
₹ 3,267,504
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹4,065,146.
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