EMI vs SIP for ₹1,400,000

9 Years @ 12%

Original Plan

9 Years @ 12%

EMI: ₹ 21,258

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 17,240

Monthly Savings

₹ 4,018

SIP Investment

@ 12% for 14 years

₹ 1,753,489

Extra Interest Paid

₹ 600,466

Final Outcome

₹ 1,153,023

Profit from SIP strategy

Analysis

For ₹1,400,000 loan at 12%, investing savings can generate ₹1,753,489.

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₹67L Loan for 18 years at 12% vs SIP ₹50L Loan for 8 years at 11% vs SIP ₹90L Loan for 6 years at 7% vs SIP ₹69L Loan for 19 years at 10% vs SIP ₹66L Loan for 30 years at 7% vs SIP ₹77L Loan for 16 years at 11% vs SIP
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