EMI vs SIP for ₹1,400,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 15,847
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 14,960
Monthly Savings
₹ 887
SIP Investment
@ 12% for 23 years
₹ 1,307,187
Extra Interest Paid
₹ 705,917
Final Outcome
₹ 601,270
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 12%, investing savings can generate ₹1,307,187.
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