EMI vs SIP for ₹1,800,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 18,659
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 18,357
Monthly Savings
₹ 302
SIP Investment
@ 12% for 33 years
₹ 1,539,116
Extra Interest Paid
₹ 999,893
Final Outcome
₹ 539,222
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,539,116.
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