EMI vs SIP for ₹1,800,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 17,605
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 14,679
Monthly Savings
₹ 2,926
SIP Investment
@ 12% for 18 years
₹ 2,239,901
Extra Interest Paid
₹ 424,240
Final Outcome
₹ 1,815,661
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 7%, investing savings can generate ₹2,239,901.
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