EMI vs SIP for ₹1,200,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 9,304
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 8,481
Monthly Savings
₹ 822
SIP Investment
@ 12% for 25 years
₹ 1,560,306
Extra Interest Paid
₹ 311,544
Final Outcome
₹ 1,248,761
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,560,306.
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