EMI vs SIP for ₹1,400,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 16,802
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 15,415
Monthly Savings
₹ 1,387
SIP Investment
@ 12% for 20 years
₹ 1,385,965
Extra Interest Paid
₹ 675,226
Final Outcome
₹ 710,739
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 12%, investing savings can generate ₹1,385,965.
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