EMI vs SIP for ₹3,800,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 27,883
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 26,990
Monthly Savings
₹ 893
SIP Investment
@ 12% for 35 years
₹ 5,801,187
Extra Interest Paid
₹ 1,297,864
Final Outcome
₹ 4,503,323
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹5,801,187.
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