EMI vs SIP for ₹1,800,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 17,721
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 15,922
Monthly Savings
₹ 1,799
SIP Investment
@ 12% for 21 years
₹ 2,048,278
Extra Interest Paid
₹ 609,973
Final Outcome
₹ 1,438,305
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 9%, investing savings can generate ₹2,048,278.
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