EMI vs SIP for ₹1,800,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 18,257
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 16,195
Monthly Savings
₹ 2,062
SIP Investment
@ 12% for 20 years
₹ 2,059,975
Extra Interest Paid
₹ 600,592
Final Outcome
₹ 1,459,382
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 9%, investing savings can generate ₹2,059,975.
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