EMI vs SIP for ₹1,600,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 23,440

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 17,435

Monthly Savings

₹ 6,005

SIP Investment

@ 12% for 13 years

₹ 2,257,631

Extra Interest Paid

₹ 469,571

Final Outcome

₹ 1,788,059

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 9%, investing savings can generate ₹2,257,631.

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