EMI vs SIP for ₹1,800,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 22,836
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 20,375
Monthly Savings
₹ 2,461
SIP Investment
@ 12% for 18 years
₹ 1,883,658
Extra Interest Paid
₹ 838,608
Final Outcome
₹ 1,045,050
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,883,658.
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