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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