EMI vs SIP for ₹1,800,000
9 Years @ 12%
Original Plan
9 Years @ 12%
EMI: ₹ 27,332
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 22,166
Monthly Savings
₹ 5,166
SIP Investment
@ 12% for 14 years
₹ 2,254,486
Extra Interest Paid
₹ 772,028
Final Outcome
₹ 1,482,458
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹2,254,486.
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