EMI vs SIP for ₹1,200,000
13 Years @ 9%
Original Plan
13 Years @ 9%
EMI: ₹ 13,076
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 11,237
Monthly Savings
₹ 1,839
SIP Investment
@ 12% for 18 years
₹ 1,407,511
Extra Interest Paid
₹ 387,383
Final Outcome
₹ 1,020,128
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,407,511.
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