EMI vs SIP for ₹1,600,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 19,203
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 17,617
Monthly Savings
₹ 1,585
SIP Investment
@ 12% for 20 years
₹ 1,583,960
Extra Interest Paid
₹ 771,687
Final Outcome
₹ 812,273
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹1,583,960.
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