EMI vs SIP for ₹1,600,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 35,591
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 22,955
Monthly Savings
₹ 12,636
SIP Investment
@ 12% for 10 years
₹ 2,935,782
Extra Interest Paid
₹ 619,175
Final Outcome
₹ 2,316,607
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹2,935,782.
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