EMI vs SIP for ₹1,500,000

11 Years @ 12%

Original Plan

11 Years @ 12%

EMI: ₹ 20,517

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 17,606

Monthly Savings

₹ 2,911

SIP Investment

@ 12% for 16 years

₹ 1,692,358

Extra Interest Paid

₹ 672,108

Final Outcome

₹ 1,020,249

Profit from SIP strategy

Analysis

For ₹1,500,000 loan at 12%, investing savings can generate ₹1,692,358.

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₹68L Loan for 27 years at 11% vs SIP ₹38L Loan for 23 years at 10% vs SIP ₹99L Loan for 10 years at 9% vs SIP ₹24L Loan for 5 years at 7% vs SIP ₹28L Loan for 22 years at 7% vs SIP ₹30L Loan for 10 years at 9% vs SIP
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