EMI vs SIP for ₹1,200,000
22 Years @ 11%
Original Plan
22 Years @ 11%
EMI: ₹ 12,087
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 11,603
Monthly Savings
₹ 483
SIP Investment
@ 12% for 27 years
₹ 1,177,625
Extra Interest Paid
₹ 568,618
Final Outcome
₹ 609,006
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,177,625.
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