EMI vs SIP for ₹1,800,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 15,610
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 13,652
Monthly Savings
₹ 1,957
SIP Investment
@ 12% for 21 years
₹ 2,228,674
Extra Interest Paid
₹ 443,357
Final Outcome
₹ 1,785,317
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 7%, investing savings can generate ₹2,228,674.
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