EMI vs SIP for ₹1,800,000

10 Years @ 11%

Original Plan

10 Years @ 11%

EMI: ₹ 24,795

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 20,459

Monthly Savings

₹ 4,336

SIP Investment

@ 12% for 15 years

₹ 2,187,971

Extra Interest Paid

₹ 707,174

Final Outcome

₹ 1,480,797

Profit from SIP strategy

Analysis

For ₹1,800,000 loan at 11%, investing savings can generate ₹2,187,971.

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