EMI vs SIP for ₹1,200,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 12,397
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 10,500
Monthly Savings
₹ 1,897
SIP Investment
@ 12% for 18 years
₹ 1,452,295
Extra Interest Paid
₹ 333,989
Final Outcome
₹ 1,118,306
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,452,295.
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