EMI vs SIP for ₹1,200,000
21 Years @ 10%
Original Plan
21 Years @ 10%
EMI: ₹ 11,409
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 10,812
Monthly Savings
₹ 598
SIP Investment
@ 12% for 26 years
₹ 1,285,583
Extra Interest Paid
₹ 498,099
Final Outcome
₹ 787,484
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,285,583.
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