EMI vs SIP for ₹1,200,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 14,402
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 13,213
Monthly Savings
₹ 1,189
SIP Investment
@ 12% for 20 years
₹ 1,187,970
Extra Interest Paid
₹ 578,765
Final Outcome
₹ 609,205
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,187,970.
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