EMI vs SIP for ₹1,200,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 10,500
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 9,521
Monthly Savings
₹ 978
SIP Investment
@ 12% for 23 years
₹ 1,440,827
Extra Interest Paid
₹ 360,012
Final Outcome
₹ 1,080,816
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,440,827.
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