EMI vs SIP for ₹1,200,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 11,814
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 10,615
Monthly Savings
₹ 1,199
SIP Investment
@ 12% for 21 years
₹ 1,365,519
Extra Interest Paid
₹ 406,648
Final Outcome
₹ 958,870
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,365,519.
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