EMI vs SIP for ₹3,800,000

26 Years @ 7%

Original Plan

26 Years @ 7%

EMI: ₹ 26,480

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 25,044

Monthly Savings

₹ 1,436

SIP Investment

@ 12% for 31 years

₹ 5,728,559

Extra Interest Paid

₹ 1,054,753

Final Outcome

₹ 4,673,807

Profit from SIP strategy

Analysis

For ₹3,800,000 loan at 7%, investing savings can generate ₹5,728,559.

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