EMI vs SIP for ₹1,200,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 10,797
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 10,070
Monthly Savings
₹ 726
SIP Investment
@ 12% for 25 years
₹ 1,378,357
Extra Interest Paid
₹ 429,896
Final Outcome
₹ 948,461
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,378,357.
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