EMI vs SIP for ₹1,600,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 16,529
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 13,999
Monthly Savings
₹ 2,530
SIP Investment
@ 12% for 18 years
₹ 1,936,393
Extra Interest Paid
₹ 445,318
Final Outcome
₹ 1,491,075
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹1,936,393.
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