EMI vs SIP for ₹1,400,000

26 Years @ 8%

Original Plan

26 Years @ 8%

EMI: ₹ 10,676

Extended Plan

31 Years (Reduced EMI)

EMI: ₹ 10,194

Monthly Savings

₹ 482

SIP Investment

@ 12% for 31 years

₹ 1,924,575

Extra Interest Paid

₹ 461,167

Final Outcome

₹ 1,463,409

Profit from SIP strategy

Analysis

For ₹1,400,000 loan at 8%, investing savings can generate ₹1,924,575.

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