EMI vs SIP for ₹1,200,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 11,998
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 11,126
Monthly Savings
₹ 872
SIP Investment
@ 12% for 23 years
₹ 1,284,424
Extra Interest Paid
₹ 479,231
Final Outcome
₹ 805,193
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,284,424.
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