EMI vs SIP for ₹1,600,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 17,617
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 16,852
Monthly Savings
₹ 766
SIP Investment
@ 12% for 25 years
₹ 1,453,194
Extra Interest Paid
₹ 827,305
Final Outcome
₹ 625,888
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹1,453,194.
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