EMI vs SIP for ₹1,200,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 8,759
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 8,155
Monthly Savings
₹ 604
SIP Investment
@ 12% for 28 years
₹ 1,665,433
Extra Interest Paid
₹ 322,689
Final Outcome
₹ 1,342,743
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,665,433.
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