EMI vs SIP for ₹3,000,000
29 Years @ 7%
Original Plan
29 Years @ 7%
EMI: ₹ 20,164
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 19,298
Monthly Savings
₹ 865
SIP Investment
@ 12% for 34 years
₹ 4,978,653
Extra Interest Paid
₹ 856,741
Final Outcome
₹ 4,121,912
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 7%, investing savings can generate ₹4,978,653.
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