EMI vs SIP for ₹3,800,000

17 Years @ 7%

Original Plan

17 Years @ 7%

EMI: ₹ 31,907

Extended Plan

22 Years (Reduced EMI)

EMI: ₹ 28,250

Monthly Savings

₹ 3,657

SIP Investment

@ 12% for 22 years

₹ 4,739,077

Extra Interest Paid

₹ 948,981

Final Outcome

₹ 3,790,096

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 7%, investing savings can generate ₹4,739,077.

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