EMI vs SIP for ₹3,800,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 28,118
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 27,137
Monthly Savings
₹ 981
SIP Investment
@ 12% for 34 years
₹ 5,642,065
Extra Interest Paid
₹ 1,286,934
Final Outcome
₹ 4,355,131
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 8%, investing savings can generate ₹5,642,065.
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