EMI vs SIP for ₹3,800,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 36,315
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 31,785
Monthly Savings
₹ 4,530
SIP Investment
@ 12% for 20 years
₹ 4,526,197
Extra Interest Paid
₹ 1,091,673
Final Outcome
₹ 3,434,523
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹4,526,197.
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