EMI vs SIP for ₹3,800,000

7 Years @ 11%

Original Plan

7 Years @ 11%

EMI: ₹ 65,065

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 47,635

Monthly Savings

₹ 17,430

SIP Investment

@ 12% for 12 years

₹ 5,616,907

Extra Interest Paid

₹ 1,393,973

Final Outcome

₹ 4,222,934

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 11%, investing savings can generate ₹5,616,907.

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