EMI vs SIP for ₹900,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 10,188
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 9,617
Monthly Savings
₹ 570
SIP Investment
@ 12% for 23 years
₹ 840,334
Extra Interest Paid
₹ 453,804
Final Outcome
₹ 386,531
Profit from SIP strategy
Analysis
For ₹900,000 loan at 12%, investing savings can generate ₹840,334.
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