EMI vs SIP for ₹1,400,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 15,242
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 14,657
Monthly Savings
₹ 584
SIP Investment
@ 12% for 26 years
₹ 1,257,240
Extra Interest Paid
₹ 732,156
Final Outcome
₹ 525,084
Profit from SIP strategy
Analysis
For ₹1,400,000 loan at 12%, investing savings can generate ₹1,257,240.
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