EMI vs SIP for ₹3,000,000

7 Years @ 7%

Original Plan

7 Years @ 7%

EMI: ₹ 45,278

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 30,851

Monthly Savings

₹ 14,427

SIP Investment

@ 12% for 12 years

₹ 4,649,006

Extra Interest Paid

₹ 639,251

Final Outcome

₹ 4,009,755

Profit from SIP strategy

Analysis

For ₹3,000,000 loan at 7%, investing savings can generate ₹4,649,006.

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