EMI vs SIP for ₹1,600,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 28,244
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 21,015
Monthly Savings
₹ 7,230
SIP Investment
@ 12% for 12 years
₹ 2,329,776
Extra Interest Paid
₹ 653,590
Final Outcome
₹ 1,676,185
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹2,329,776.
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