EMI vs SIP for ₹1,200,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 15,761
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 13,815
Monthly Savings
₹ 1,946
SIP Investment
@ 12% for 17 years
₹ 1,300,070
Extra Interest Paid
₹ 548,587
Final Outcome
₹ 751,483
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,300,070.
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