EMI vs SIP for ₹1,800,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 27,313
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 20,661
Monthly Savings
₹ 6,652
SIP Investment
@ 12% for 13 years
₹ 2,500,780
Extra Interest Paid
₹ 601,062
Final Outcome
₹ 1,899,718
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 10%, investing savings can generate ₹2,500,780.
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