EMI vs SIP for ₹1,200,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 13,583
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 12,823
Monthly Savings
₹ 761
SIP Investment
@ 12% for 23 years
₹ 1,120,446
Extra Interest Paid
₹ 605,071
Final Outcome
₹ 515,374
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,120,446.
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