EMI vs SIP for ₹1,400,000

14 Years @ 12%

Original Plan

14 Years @ 12%

EMI: ₹ 17,240

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 15,615

Monthly Savings

₹ 1,625

SIP Investment

@ 12% for 19 years

₹ 1,422,066

Extra Interest Paid

₹ 663,989

Final Outcome

₹ 758,077

Profit from SIP strategy

Analysis

For ₹1,400,000 loan at 12%, investing savings can generate ₹1,422,066.

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