EMI vs SIP for ₹1,200,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 9,385
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 8,879
Monthly Savings
₹ 505
SIP Investment
@ 12% for 29 years
₹ 1,577,167
Extra Interest Paid
₹ 387,235
Final Outcome
₹ 1,189,933
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,577,167.
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