EMI vs SIP for ₹1,400,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 12,949
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 11,486
Monthly Savings
₹ 1,463
SIP Investment
@ 12% for 21 years
₹ 1,665,834
Extra Interest Paid
₹ 408,271
Final Outcome
₹ 1,257,562
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 8%, investing savings can generate ₹1,665,834.
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