EMI vs SIP for ₹1,400,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 15,415
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 14,745
Monthly Savings
₹ 670
SIP Investment
@ 12% for 25 years
₹ 1,271,544
Extra Interest Paid
₹ 723,892
Final Outcome
₹ 547,652
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 12%, investing savings can generate ₹1,271,544.
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