EMI vs SIP for ₹1,200,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 12,725
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 12,388
Monthly Savings
₹ 336
SIP Investment
@ 12% for 29 years
₹ 1,049,605
Extra Interest Paid
₹ 646,451
Final Outcome
₹ 403,154
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,049,605.
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