EMI vs SIP for ₹1,800,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 18,845
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 18,456
Monthly Savings
₹ 390
SIP Investment
@ 12% for 31 years
₹ 1,554,467
Extra Interest Paid
₹ 985,796
Final Outcome
₹ 568,672
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,554,467.
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