EMI vs SIP for ₹1,500,000

10 Years @ 9%

Original Plan

10 Years @ 9%

EMI: ₹ 19,001

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 15,214

Monthly Savings

₹ 3,787

SIP Investment

@ 12% for 15 years

₹ 1,911,015

Extra Interest Paid

₹ 458,356

Final Outcome

₹ 1,452,659

Profit from SIP strategy

Analysis

For ₹1,500,000 loan at 9%, investing savings can generate ₹1,911,015.

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