EMI vs SIP for ₹1,800,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 18,515
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 18,280
Monthly Savings
₹ 235
SIP Investment
@ 12% for 35 years
₹ 1,527,237
Extra Interest Paid
₹ 1,012,147
Final Outcome
₹ 515,091
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,527,237.
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