EMI vs SIP for ₹1,200,000
13 Years @ 11%
Original Plan
13 Years @ 11%
EMI: ₹ 14,490
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 12,781
Monthly Savings
₹ 1,710
SIP Investment
@ 12% for 18 years
₹ 1,308,696
Extra Interest Paid
₹ 500,117
Final Outcome
₹ 808,579
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,308,696.
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