EMI vs SIP for ₹1,600,000
21 Years @ 11%
Original Plan
21 Years @ 11%
EMI: ₹ 16,302
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 15,570
Monthly Savings
₹ 732
SIP Investment
@ 12% for 26 years
₹ 1,574,396
Extra Interest Paid
₹ 749,764
Final Outcome
₹ 824,632
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 11%, investing savings can generate ₹1,574,396.
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