EMI vs SIP for ₹3,800,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 53,719
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 39,257
Monthly Savings
₹ 14,463
SIP Investment
@ 12% for 13 years
₹ 5,436,932
Extra Interest Paid
₹ 967,001
Final Outcome
₹ 4,469,930
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹5,436,932.
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