EMI vs SIP for ₹1,200,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 10,786
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 9,304
Monthly Savings
₹ 1,482
SIP Investment
@ 12% for 20 years
₹ 1,481,089
Extra Interest Paid
₹ 291,392
Final Outcome
₹ 1,189,697
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,481,089.
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