EMI vs SIP for ₹1,400,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 22,754
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 17,761
Monthly Savings
₹ 4,993
SIP Investment
@ 12% for 13 years
₹ 1,876,893
Extra Interest Paid
₹ 586,385
Final Outcome
₹ 1,290,508
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 12%, investing savings can generate ₹1,876,893.
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