EMI vs SIP for ₹1,200,000
11 Years @ 7%
Original Plan
11 Years @ 7%
EMI: ₹ 13,061
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 10,406
Monthly Savings
₹ 2,654
SIP Investment
@ 12% for 16 years
₹ 1,543,225
Extra Interest Paid
₹ 274,006
Final Outcome
₹ 1,269,219
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,543,225.
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