EMI vs SIP for ₹1,600,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 13,127
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 12,202
Monthly Savings
₹ 925
SIP Investment
@ 12% for 26 years
₹ 1,990,376
Extra Interest Paid
₹ 498,924
Final Outcome
₹ 1,491,451
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹1,990,376.
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