EMI vs SIP for ₹1,600,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 19,412
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 15,290
Monthly Savings
₹ 4,122
SIP Investment
@ 12% for 15 years
₹ 2,079,853
Extra Interest Paid
₹ 422,788
Final Outcome
₹ 1,657,065
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹2,079,853.
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