EMI vs SIP for ₹1,800,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 20,375
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 19,234
Monthly Savings
₹ 1,141
SIP Investment
@ 12% for 23 years
₹ 1,680,669
Extra Interest Paid
₹ 907,607
Final Outcome
₹ 773,061
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,680,669.
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