EMI vs SIP for ₹1,200,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 11,580
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 10,904
Monthly Savings
₹ 676
SIP Investment
@ 12% for 25 years
₹ 1,282,518
Extra Interest Paid
₹ 492,060
Final Outcome
₹ 790,458
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,282,518.
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