EMI vs SIP for ₹1,200,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 13,385
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 12,725
Monthly Savings
₹ 660
SIP Investment
@ 12% for 24 years
₹ 1,104,049
Extra Interest Paid
₹ 612,985
Final Outcome
₹ 491,065
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,104,049.
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