EMI vs SIP for ₹1,600,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 13,383
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 12,349
Monthly Savings
₹ 1,034
SIP Investment
@ 12% for 25 years
₹ 1,962,120
Extra Interest Paid
₹ 492,788
Final Outcome
₹ 1,469,332
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹1,962,120.
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