EMI vs SIP for ₹3,800,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 39,230
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 38,667
Monthly Savings
₹ 562
SIP Investment
@ 12% for 34 years
₹ 3,235,910
Extra Interest Paid
₹ 2,124,283
Final Outcome
₹ 1,111,627
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 12%, investing savings can generate ₹3,235,910.
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