EMI vs SIP for ₹1,600,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 12,405
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 11,308
Monthly Savings
₹ 1,096
SIP Investment
@ 12% for 25 years
₹ 2,080,407
Extra Interest Paid
₹ 415,392
Final Outcome
₹ 1,665,015
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 7%, investing savings can generate ₹2,080,407.
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