EMI vs SIP for ₹1,600,000

9 Years @ 10%

Original Plan

9 Years @ 10%

EMI: ₹ 22,526

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 17,731

Monthly Savings

₹ 4,795

SIP Investment

@ 12% for 14 years

₹ 2,092,473

Extra Interest Paid

₹ 546,052

Final Outcome

₹ 1,546,422

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 10%, investing savings can generate ₹2,092,473.

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