EMI vs SIP for ₹1,200,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 11,237
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 10,311
Monthly Savings
₹ 926
SIP Investment
@ 12% for 23 years
₹ 1,364,228
Extra Interest Paid
₹ 418,631
Final Outcome
₹ 945,597
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,364,228.
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