EMI vs SIP for ₹1,600,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 11,740
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 11,364
Monthly Savings
₹ 376
SIP Investment
@ 12% for 35 years
₹ 2,442,605
Extra Interest Paid
₹ 546,469
Final Outcome
₹ 1,896,136
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹2,442,605.
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