EMI vs SIP for ₹1,800,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 13,382
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 12,381
Monthly Savings
₹ 1,001
SIP Investment
@ 12% for 27 years
₹ 2,439,088
Extra Interest Paid
₹ 478,585
Final Outcome
₹ 1,960,502
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 7%, investing savings can generate ₹2,439,088.
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