EMI vs SIP for ₹1,200,000
10 Years @ 10%
Original Plan
10 Years @ 10%
EMI: ₹ 15,858
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 12,895
Monthly Savings
₹ 2,963
SIP Investment
@ 12% for 15 years
₹ 1,494,971
Extra Interest Paid
₹ 418,176
Final Outcome
₹ 1,076,795
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,494,971.
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