EMI vs SIP for ₹1,600,000

12 Years @ 9%

Original Plan

12 Years @ 9%

EMI: ₹ 18,208

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 15,341

Monthly Savings

₹ 2,868

SIP Investment

@ 12% for 17 years

₹ 1,915,349

Extra Interest Paid

₹ 507,513

Final Outcome

₹ 1,407,836

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 9%, investing savings can generate ₹1,915,349.

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