EMI vs SIP for ₹1,200,000
16 Years @ 10%
Original Plan
16 Years @ 10%
EMI: ₹ 12,551
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 11,409
Monthly Savings
₹ 1,141
SIP Investment
@ 12% for 21 years
₹ 1,299,755
Extra Interest Paid
₹ 465,401
Final Outcome
₹ 834,354
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,299,755.
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