EMI vs SIP for ₹1,200,000
14 Years @ 9%
Original Plan
14 Years @ 9%
EMI: ₹ 12,587
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 11,003
Monthly Savings
₹ 1,584
SIP Investment
@ 12% for 19 years
₹ 1,386,943
Extra Interest Paid
₹ 393,972
Final Outcome
₹ 992,972
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,386,943.
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