EMI vs SIP for ₹1,600,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 32,442
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 19,412
Monthly Savings
₹ 13,030
SIP Investment
@ 12% for 10 years
₹ 3,027,335
Extra Interest Paid
₹ 382,956
Final Outcome
₹ 2,644,379
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 8%, investing savings can generate ₹3,027,335.
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