EMI vs SIP for ₹1,200,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 8,921
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 8,254
Monthly Savings
₹ 667
SIP Investment
@ 12% for 27 years
₹ 1,626,059
Extra Interest Paid
₹ 319,057
Final Outcome
₹ 1,307,002
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,626,059.
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