EMI vs SIP for ₹1,600,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 15,290
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 13,383
Monthly Savings
₹ 1,907
SIP Investment
@ 12% for 20 years
₹ 1,905,767
Extra Interest Paid
₹ 459,652
Final Outcome
₹ 1,446,115
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹1,905,767.
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