EMI vs SIP for ₹3,800,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 59,228
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 41,133
Monthly Savings
₹ 18,094
SIP Investment
@ 12% for 12 years
₹ 5,830,965
Extra Interest Paid
₹ 948,061
Final Outcome
₹ 4,882,904
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹5,830,965.
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