EMI vs SIP for ₹1,200,000
15 Years @ 11%
Original Plan
15 Years @ 11%
EMI: ₹ 13,639
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 12,386
Monthly Savings
₹ 1,253
SIP Investment
@ 12% for 20 years
₹ 1,251,835
Extra Interest Paid
₹ 517,653
Final Outcome
₹ 734,182
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,251,835.
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