EMI vs SIP for ₹1,600,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 12,202
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 11,650
Monthly Savings
₹ 551
SIP Investment
@ 12% for 31 years
₹ 2,199,515
Extra Interest Paid
₹ 527,047
Final Outcome
₹ 1,672,467
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹2,199,515.
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