EMI vs SIP for ₹1,800,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 21,603
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 19,820
Monthly Savings
₹ 1,783
SIP Investment
@ 12% for 20 years
₹ 1,781,955
Extra Interest Paid
₹ 868,148
Final Outcome
₹ 913,807
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,781,955.
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