EMI vs SIP for ₹1,200,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 11,468
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 10,037
Monthly Savings
₹ 1,431
SIP Investment
@ 12% for 20 years
₹ 1,429,325
Extra Interest Paid
₹ 344,739
Final Outcome
₹ 1,084,586
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,429,325.
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