EMI vs SIP for ₹3,800,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 61,761
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 48,209
Monthly Savings
₹ 13,551
SIP Investment
@ 12% for 13 years
₹ 5,094,424
Extra Interest Paid
₹ 1,591,617
Final Outcome
₹ 3,502,807
Profit from SIP strategy
Analysis
For ₹3,800,000 loan at 12%, investing savings can generate ₹5,094,424.
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