EMI vs SIP for ₹1,600,000

11 Years @ 12%

Original Plan

11 Years @ 12%

EMI: ₹ 21,885

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 18,780

Monthly Savings

₹ 3,105

SIP Investment

@ 12% for 16 years

₹ 1,805,182

Extra Interest Paid

₹ 716,916

Final Outcome

₹ 1,088,266

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 12%, investing savings can generate ₹1,805,182.

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