EMI vs SIP for ₹1,600,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 11,839
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 11,426
Monthly Savings
₹ 413
SIP Investment
@ 12% for 34 years
₹ 2,375,606
Extra Interest Paid
₹ 541,867
Final Outcome
₹ 1,833,739
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹2,375,606.
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