EMI vs SIP for ₹1,600,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 17,419
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 16,751
Monthly Savings
₹ 668
SIP Investment
@ 12% for 26 years
₹ 1,436,846
Extra Interest Paid
₹ 836,750
Final Outcome
₹ 600,096
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹1,436,846.
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