EMI vs SIP for ₹1,800,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 14,679
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 13,139
Monthly Savings
₹ 1,540
SIP Investment
@ 12% for 23 years
₹ 2,269,235
Extra Interest Paid
₹ 455,566
Final Outcome
₹ 1,813,668
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 7%, investing savings can generate ₹2,269,235.
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