EMI vs SIP for ₹3,000,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 32,057
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 31,098
Monthly Savings
₹ 959
SIP Investment
@ 12% for 28 years
₹ 2,644,261
Extra Interest Paid
₹ 1,601,342
Final Outcome
₹ 1,042,919
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,644,261.
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