EMI vs SIP for ₹1,600,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 18,111
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 17,097
Monthly Savings
₹ 1,014
SIP Investment
@ 12% for 23 years
₹ 1,493,928
Extra Interest Paid
₹ 806,762
Final Outcome
₹ 687,166
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹1,493,928.
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