EMI vs SIP for ₹1,200,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 16,413
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 14,085
Monthly Savings
₹ 2,329
SIP Investment
@ 12% for 16 years
₹ 1,353,886
Extra Interest Paid
₹ 537,687
Final Outcome
₹ 816,200
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,353,886.
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