EMI vs SIP for ₹1,200,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 9,786
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 8,759
Monthly Savings
₹ 1,027
SIP Investment
@ 12% for 23 years
₹ 1,512,823
Extra Interest Paid
₹ 303,711
Final Outcome
₹ 1,209,112
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,512,823.
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