EMI vs SIP for ₹1,600,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 12,513
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 11,839
Monthly Savings
₹ 674
SIP Investment
@ 12% for 29 years
₹ 2,102,890
Extra Interest Paid
₹ 516,313
Final Outcome
₹ 1,586,577
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹2,102,890.
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