EMI vs SIP for ₹1,200,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 13,213
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 12,639
Monthly Savings
₹ 574
SIP Investment
@ 12% for 25 years
₹ 1,089,895
Extra Interest Paid
₹ 620,479
Final Outcome
₹ 469,416
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,089,895.
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