EMI vs SIP for ₹1,800,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 19,820
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 18,958
Monthly Savings
₹ 862
SIP Investment
@ 12% for 25 years
₹ 1,634,843
Extra Interest Paid
₹ 930,718
Final Outcome
₹ 704,124
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,634,843.
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