EMI vs SIP for ₹1,200,000
17 Years @ 7%
Original Plan
17 Years @ 7%
EMI: ₹ 10,076
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 8,921
Monthly Savings
₹ 1,155
SIP Investment
@ 12% for 22 years
₹ 1,496,551
Extra Interest Paid
₹ 299,678
Final Outcome
₹ 1,196,872
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,496,551.
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