EMI vs SIP for ₹3,000,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 42,410
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 30,992
Monthly Savings
₹ 11,418
SIP Investment
@ 12% for 13 years
₹ 4,292,315
Extra Interest Paid
₹ 763,422
Final Outcome
₹ 3,528,892
Profit from SIP strategy
Analysis
For ₹3,000,000 loan at 8%, investing savings can generate ₹4,292,315.
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