EMI vs SIP for ₹1,200,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 12,895
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 11,580
Monthly Savings
₹ 1,315
SIP Investment
@ 12% for 20 years
₹ 1,313,881
Extra Interest Paid
₹ 458,115
Final Outcome
₹ 855,766
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,313,881.
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