EMI vs SIP for ₹1,200,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 13,815
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 12,935
Monthly Savings
₹ 879
SIP Investment
@ 12% for 22 years
₹ 1,139,515
Extra Interest Paid
₹ 596,733
Final Outcome
₹ 542,782
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,139,515.
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