EMI vs SIP for ₹3,800,000

25 Years @ 12%

Original Plan

25 Years @ 12%

EMI: ₹ 40,023

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 39,087

Monthly Savings

₹ 935

SIP Investment

@ 12% for 30 years

₹ 3,301,312

Extra Interest Paid

₹ 2,064,665

Final Outcome

₹ 1,236,647

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 12%, investing savings can generate ₹3,301,312.

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