EMI vs SIP for ₹1,200,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 10,406
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 9,102
Monthly Savings
₹ 1,305
SIP Investment
@ 12% for 21 years
₹ 1,485,783
Extra Interest Paid
₹ 295,571
Final Outcome
₹ 1,190,212
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,485,783.
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