EMI vs SIP for ₹1,600,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 12,136
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 11,149
Monthly Savings
₹ 986
SIP Investment
@ 12% for 26 years
₹ 2,121,311
Extra Interest Paid
₹ 420,455
Final Outcome
₹ 1,700,856
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 7%, investing savings can generate ₹2,121,311.
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