EMI vs SIP for ₹1,800,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 16,179
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 13,955
Monthly Savings
₹ 2,224
SIP Investment
@ 12% for 20 years
₹ 2,221,633
Extra Interest Paid
₹ 437,088
Final Outcome
₹ 1,784,546
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 7%, investing savings can generate ₹2,221,633.
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