EMI vs SIP for ₹1,200,000
22 Years @ 9%
Original Plan
22 Years @ 9%
EMI: ₹ 10,454
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 9,878
Monthly Savings
₹ 577
SIP Investment
@ 12% for 27 years
₹ 1,404,991
Extra Interest Paid
₹ 440,431
Final Outcome
₹ 964,559
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,404,991.
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