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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