EMI vs SIP for ₹1,400,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 20,510

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 15,256

Monthly Savings

₹ 5,255

SIP Investment

@ 12% for 13 years

₹ 1,975,427

Extra Interest Paid

₹ 410,875

Final Outcome

₹ 1,564,552

Profit from SIP strategy

Analysis

For ₹1,400,000 loan at 9%, investing savings can generate ₹1,975,427.

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