EMI vs SIP for ₹1,200,000
21 Years @ 9%
Original Plan
21 Years @ 9%
EMI: ₹ 10,615
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 9,969
Monthly Savings
₹ 646
SIP Investment
@ 12% for 26 years
₹ 1,390,246
Extra Interest Paid
₹ 435,255
Final Outcome
₹ 954,990
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,390,246.
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