EMI vs SIP for ₹1,500,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 16,516
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 15,798
Monthly Savings
₹ 718
SIP Investment
@ 12% for 25 years
₹ 1,362,369
Extra Interest Paid
₹ 775,599
Final Outcome
₹ 586,770
Profit from SIP strategy
Analysis
For ₹1,500,000 loan at 12%, investing savings can generate ₹1,362,369.
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