EMI vs SIP for ₹1,200,000
23 Years @ 9%
Original Plan
23 Years @ 9%
EMI: ₹ 10,311
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 9,796
Monthly Savings
₹ 516
SIP Investment
@ 12% for 28 years
₹ 1,422,387
Extra Interest Paid
₹ 445,424
Final Outcome
₹ 976,963
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,422,387.
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