EMI vs SIP for ₹1,800,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 19,597
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 18,845
Monthly Savings
₹ 751
SIP Investment
@ 12% for 26 years
₹ 1,616,452
Extra Interest Paid
₹ 941,343
Final Outcome
₹ 675,108
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,616,452.
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