EMI vs SIP for ₹1,500,000

21 Years @ 9%

Original Plan

21 Years @ 9%

EMI: ₹ 13,269

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 12,461

Monthly Savings

₹ 808

SIP Investment

@ 12% for 26 years

₹ 1,737,807

Extra Interest Paid

₹ 544,069

Final Outcome

₹ 1,193,738

Profit from SIP strategy

Analysis

For ₹1,500,000 loan at 9%, investing savings can generate ₹1,737,807.

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