EMI vs SIP for ₹1,200,000
10 Years @ 9%
Original Plan
10 Years @ 9%
EMI: ₹ 15,201
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 12,171
Monthly Savings
₹ 3,030
SIP Investment
@ 12% for 15 years
₹ 1,528,812
Extra Interest Paid
₹ 366,685
Final Outcome
₹ 1,162,127
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,528,812.
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