EMI vs SIP for ₹1,200,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 11,099
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 9,845
Monthly Savings
₹ 1,254
SIP Investment
@ 12% for 21 years
₹ 1,427,857
Extra Interest Paid
₹ 349,947
Final Outcome
₹ 1,077,911
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,427,857.
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