EMI vs SIP for ₹1,600,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 26,005
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 20,299
Monthly Savings
₹ 5,706
SIP Investment
@ 12% for 13 years
₹ 2,145,021
Extra Interest Paid
₹ 670,154
Final Outcome
₹ 1,474,866
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹2,145,021.
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