EMI vs SIP for ₹1,600,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 31,280
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 21,885
Monthly Savings
₹ 9,396
SIP Investment
@ 12% for 11 years
₹ 2,580,199
Extra Interest Paid
₹ 636,586
Final Outcome
₹ 1,943,613
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹2,580,199.
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