EMI vs SIP for ₹1,600,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 13,999
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 12,695
Monthly Savings
₹ 1,304
SIP Investment
@ 12% for 23 years
₹ 1,921,103
Extra Interest Paid
₹ 480,016
Final Outcome
₹ 1,441,088
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹1,921,103.
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