EMI vs SIP for ₹3,800,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 26,480
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 25,044
Monthly Savings
₹ 1,436
SIP Investment
@ 12% for 31 years
₹ 5,728,559
Extra Interest Paid
₹ 1,054,753
Final Outcome
₹ 4,673,807
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 7%, investing savings can generate ₹5,728,559.
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