EMI vs SIP for ₹1,600,000

30 Years @ 9%

Original Plan

30 Years @ 9%

EMI: ₹ 12,874

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 12,544

Monthly Savings

₹ 330

SIP Investment

@ 12% for 35 years

₹ 2,143,921

Extra Interest Paid

₹ 633,807

Final Outcome

₹ 1,510,115

Profit from SIP strategy

Analysis

For ₹1,600,000 loan at 9%, investing savings can generate ₹2,143,921.

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