EMI vs SIP for ₹3,800,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 31,785
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 29,329
Monthly Savings
₹ 2,456
SIP Investment
@ 12% for 25 years
₹ 4,660,034
Extra Interest Paid
₹ 1,170,371
Final Outcome
₹ 3,489,663
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹4,660,034.
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