EMI vs SIP for ₹1,400,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 16,432
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 15,242
Monthly Savings
₹ 1,190
SIP Investment
@ 12% for 21 years
₹ 1,355,428
Extra Interest Paid
₹ 685,959
Final Outcome
₹ 669,469
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 12%, investing savings can generate ₹1,355,428.
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