EMI vs SIP for ₹1,600,000

19 Years @ 9%

Original Plan

19 Years @ 9%

EMI: ₹ 14,670

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 13,579

Monthly Savings

₹ 1,092

SIP Investment

@ 12% for 24 years

₹ 1,826,105

Extra Interest Paid

₹ 565,806

Final Outcome

₹ 1,260,299

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 9%, investing savings can generate ₹1,826,105.

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