EMI vs SIP for ₹3,800,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 29,718
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 28,118
Monthly Savings
₹ 1,600
SIP Investment
@ 12% for 29 years
₹ 4,994,364
Extra Interest Paid
₹ 1,226,243
Final Outcome
₹ 3,768,121
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹4,994,364.
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