EMI vs SIP for ₹3,800,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 54,519
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 45,606
Monthly Savings
₹ 8,913
SIP Investment
@ 12% for 15 years
₹ 4,497,071
Extra Interest Paid
₹ 1,666,874
Final Outcome
₹ 2,830,197
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 12%, investing savings can generate ₹4,497,071.
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