EMI vs SIP for ₹3,800,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 84,529
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 54,519
Monthly Savings
₹ 30,010
SIP Investment
@ 12% for 10 years
₹ 6,972,482
Extra Interest Paid
₹ 1,470,541
Final Outcome
₹ 5,501,941
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 12%, investing savings can generate ₹6,972,482.
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