EMI vs SIP for ₹3,000,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 31,098
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 30,595
Monthly Savings
₹ 504
SIP Investment
@ 12% for 33 years
₹ 2,565,193
Extra Interest Paid
₹ 1,666,489
Final Outcome
₹ 898,704
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 12%, investing savings can generate ₹2,565,193.
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