EMI vs SIP for ₹3,000,000

25 Years @ 10%

Original Plan

25 Years @ 10%

EMI: ₹ 27,261

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 26,327

Monthly Savings

₹ 934

SIP Investment

@ 12% for 30 years

₹ 3,296,499

Extra Interest Paid

₹ 1,299,466

Final Outcome

₹ 1,997,033

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 10%, investing savings can generate ₹3,296,499.

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₹75L Loan for 19 years at 9% vs SIP ₹24L Loan for 9 years at 11% vs SIP ₹31L Loan for 16 years at 11% vs SIP ₹80L Loan for 30 years at 8% vs SIP ₹87L Loan for 22 years at 10% vs SIP ₹78L Loan for 19 years at 9% vs SIP
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