EMI vs SIP for ₹3,800,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 74,291
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 51,976
Monthly Savings
₹ 22,315
SIP Investment
@ 12% for 11 years
₹ 6,127,973
Extra Interest Paid
₹ 1,511,891
Final Outcome
₹ 4,616,081
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 12%, investing savings can generate ₹6,127,973.
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