EMI vs SIP for ₹3,800,000

19 Years @ 8%

Original Plan

19 Years @ 8%

EMI: ₹ 32,471

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 29,718

Monthly Savings

₹ 2,753

SIP Investment

@ 12% for 24 years

₹ 4,604,901

Extra Interest Paid

₹ 1,155,400

Final Outcome

₹ 3,449,500

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 8%, investing savings can generate ₹4,604,901.

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