EMI vs SIP for ₹3,800,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 57,700

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 46,794

Monthly Savings

₹ 10,906

SIP Investment

@ 12% for 14 years

₹ 4,759,470

Extra Interest Paid

₹ 1,629,837

Final Outcome

₹ 3,129,633

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 12%, investing savings can generate ₹4,759,470.

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