EMI vs SIP for ₹1,200,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 12,935
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 12,497
Monthly Savings
₹ 438
SIP Investment
@ 12% for 27 years
₹ 1,066,983
Extra Interest Paid
₹ 634,245
Final Outcome
₹ 432,738
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,066,983.
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