EMI vs SIP for ₹1,200,000
12 Years @ 9%
Original Plan
12 Years @ 9%
EMI: ₹ 13,656
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 11,506
Monthly Savings
₹ 2,151
SIP Investment
@ 12% for 17 years
₹ 1,436,512
Extra Interest Paid
₹ 380,635
Final Outcome
₹ 1,055,877
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,436,512.
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