EMI vs SIP for ₹1,800,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 19,234
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 18,659
Monthly Savings
₹ 575
SIP Investment
@ 12% for 28 years
₹ 1,586,557
Extra Interest Paid
₹ 960,805
Final Outcome
₹ 625,752
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 12%, investing savings can generate ₹1,586,557.
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