EMI vs SIP for ₹1,800,000
8 Years @ 9%
Original Plan
8 Years @ 9%
EMI: ₹ 26,370
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 19,614
Monthly Savings
₹ 6,756
SIP Investment
@ 12% for 13 years
₹ 2,539,835
Extra Interest Paid
₹ 528,268
Final Outcome
₹ 2,011,567
Profit from SIP strategy
Analysis
For ₹1,800,000 loan at 9%, investing savings can generate ₹2,539,835.
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