EMI vs SIP for ₹1,200,000
19 Years @ 7%
Original Plan
19 Years @ 7%
EMI: ₹ 9,530
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 8,613
Monthly Savings
₹ 917
SIP Investment
@ 12% for 24 years
₹ 1,534,178
Extra Interest Paid
₹ 307,667
Final Outcome
₹ 1,226,511
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,534,178.
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