EMI vs SIP for ₹1,800,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 25,446
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 18,595
Monthly Savings
₹ 6,851
SIP Investment
@ 12% for 13 years
₹ 2,575,389
Extra Interest Paid
₹ 458,053
Final Outcome
₹ 2,117,335
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 8%, investing savings can generate ₹2,575,389.
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