EMI vs SIP for ₹1,800,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 14,768
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 13,727
Monthly Savings
₹ 1,041
SIP Investment
@ 12% for 26 years
₹ 2,239,173
Extra Interest Paid
₹ 561,290
Final Outcome
₹ 1,677,883
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 8%, investing savings can generate ₹2,239,173.
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