EMI vs SIP for ₹1,800,000
13 Years @ 11%
Original Plan
13 Years @ 11%
EMI: ₹ 21,735
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 19,171
Monthly Savings
₹ 2,565
SIP Investment
@ 12% for 18 years
₹ 1,963,045
Extra Interest Paid
₹ 750,176
Final Outcome
₹ 1,212,868
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 11%, investing savings can generate ₹1,963,045.
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