EMI vs SIP for ₹1,500,000

6 Years @ 11%

Original Plan

6 Years @ 11%

EMI: ₹ 28,551

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 19,639

Monthly Savings

₹ 8,913

SIP Investment

@ 12% for 11 years

₹ 2,447,531

Extra Interest Paid

₹ 536,605

Final Outcome

₹ 1,910,926

Profit from SIP strategy

Analysis

For ₹1,500,000 loan at 11%, investing savings can generate ₹2,447,531.

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