EMI vs SIP for ₹1,500,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 16,979
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 16,028
Monthly Savings
₹ 951
SIP Investment
@ 12% for 23 years
₹ 1,400,557
Extra Interest Paid
₹ 756,339
Final Outcome
₹ 644,218
Profit from SIP strategy
Analysis
For ₹1,500,000 loan at 12%, investing savings can generate ₹1,400,557.
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