EMI vs SIP for ₹1,200,000
17 Years @ 10%
Original Plan
17 Years @ 10%
EMI: ₹ 12,255
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 11,259
Monthly Savings
₹ 996
SIP Investment
@ 12% for 22 years
₹ 1,290,160
Extra Interest Paid
₹ 472,440
Final Outcome
₹ 817,720
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,290,160.
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