EMI vs SIP for ₹1,800,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 16,856
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 15,467
Monthly Savings
₹ 1,389
SIP Investment
@ 12% for 23 years
₹ 2,046,342
Extra Interest Paid
₹ 627,947
Final Outcome
₹ 1,418,396
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 9%, investing savings can generate ₹2,046,342.
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