EMI vs SIP for ₹1,200,000
14 Years @ 7%
Original Plan
14 Years @ 7%
EMI: ₹ 11,225
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 9,530
Monthly Savings
₹ 1,694
SIP Investment
@ 12% for 19 years
₹ 1,483,237
Extra Interest Paid
₹ 287,143
Final Outcome
₹ 1,196,094
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,483,237.
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