EMI vs SIP for ₹1,600,000

11 Years @ 8%

Original Plan

11 Years @ 8%

EMI: ₹ 18,265

Extended Plan

16 Years (Reduced EMI)

EMI: ₹ 14,799

Monthly Savings

₹ 3,466

SIP Investment

@ 12% for 16 years

₹ 2,015,007

Extra Interest Paid

₹ 430,427

Final Outcome

₹ 1,584,580

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 8%, investing savings can generate ₹2,015,007.

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