EMI vs SIP for ₹3,000,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 22,198
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 21,424
Monthly Savings
₹ 774
SIP Investment
@ 12% for 34 years
₹ 4,454,261
Extra Interest Paid
₹ 1,016,000
Final Outcome
₹ 3,438,261
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,454,261.
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