EMI vs SIP for ₹1,200,000
17 Years @ 8%
Original Plan
17 Years @ 8%
EMI: ₹ 10,779
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 9,674
Monthly Savings
₹ 1,105
SIP Investment
@ 12% for 22 years
₹ 1,431,897
Extra Interest Paid
₹ 355,039
Final Outcome
₹ 1,076,858
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,431,897.
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