EMI vs SIP for ₹1,200,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 11,737
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 9,786
Monthly Savings
₹ 1,951
SIP Investment
@ 12% for 18 years
₹ 1,493,268
Extra Interest Paid
₹ 282,827
Final Outcome
₹ 1,210,441
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,493,268.
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