EMI vs SIP for ₹1,400,000

8 Years @ 7%

Original Plan

8 Years @ 7%

EMI: ₹ 19,087

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 13,693

Monthly Savings

₹ 5,394

SIP Investment

@ 12% for 13 years

₹ 2,027,835

Extra Interest Paid

₹ 303,742

Final Outcome

₹ 1,724,093

Profit from SIP strategy

Analysis

For ₹1,400,000 loan at 7%, investing savings can generate ₹2,027,835.

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