EMI vs SIP for ₹3,800,000

11 Years @ 7%

Original Plan

11 Years @ 7%

EMI: ₹ 41,360

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 32,954

Monthly Savings

₹ 8,406

SIP Investment

@ 12% for 16 years

₹ 4,886,878

Extra Interest Paid

₹ 867,685

Final Outcome

₹ 4,019,194

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 7%, investing savings can generate ₹4,886,878.

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